The interest rate of provident fund loans is 2.75% for less than five years, 3.25 for more than five years, and the benchmark interest rate of commercial loans is 4.9. According to the lender's credit information and outstanding loans, the loan interest rate will be raised. This is also the decision of the loan officer, but generally it can't be faked, so don't doubt others. Mortgage has little to do with how much they earn. Check your credit information and outstanding loans carefully.