3. 1%。 According to the website of Xiangtan Municipal People's Government, since June 65438+1 October1day, the interest rate of the first individual housing provident fund loan in Xiangtan City has been adjusted. Before the interest rate cut, the interest rate of housing provident fund loans was 3.25%, and after the interest rate cut, it was 3. 1%, while the annual interest rate of commercial housing loans was 4. 1%.