1, and the loan interest rate for less than five years (including five years) is 2.75%.

2. The interest rate for loans over five years is 3.25%.

The process of provident fund loans is roughly as follows:

1. Prepare the application materials. Borrowers need to prepare personal identity information, purchase information, seller information, etc. Under special circumstances, it may be necessary to supplement other information.

2. Apply for a loan. Fill in basic information, housing information and loan application information on the platform, and upload pictures of application materials.

3. Investigation and review. The entrusted bank will verify the authenticity of the borrower's materials and investigate the personal credit report, family housing situation and down payment ratio.

4, management center audit. The management center shall conduct an audit according to the investigation results of the entrusted bank, and decide whether to issue loans within ten working days.

5. sign a contract. After examination and approval, the entrusted bank signs a loan contract and a guarantee contract with the borrower and guarantor.

6. Handle guarantee and mortgage registration. The entrusted bank and the borrower shall go through the mortgage registration and other guarantee procedures after the contract is signed.

7. loans. After the approval of the provident fund management center, the loan funds will be allocated and put into the designated account.

8. repayment. The borrower began to repay the loan on a monthly basis.

To sum up, it should be noted that these interest rates may change due to the interest rate adjustment of the People's Bank of China.

Legal basis:

Regulations of People's Republic of China (PRC) Municipality on the Administration of Housing Provident Fund

Article 6

The deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China. After soliciting the opinions of the construction administrative department of the State Council, it is reported to the State Council for approval.

Article 26

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.