The provident fund interest rate of 3.25% refers to the annual interest rate. The interest rate of housing provident fund loans shall be subject to the interest rate standard published by the People's Bank of China. The interest rate standard of housing provident fund loan is: the interest rate of housing provident fund loan for more than 5 years is 3.25%; The interest rate of provident fund loans for five years and below is 2.75% per annum, which is unified throughout the country.

2. The calculation of provident fund loans should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, among which the minimum value calculated by the four conditions is the maximum loanable amount of the lender.

Whether the interest rate of the provident fund of 3.25 is the annual interest rate or the monthly interest rate is so much.