2.75%. According to the online inquiry, the loan interest rate of Shanxi housing provident fund is implemented according to the interest rate level stipulated by the People's Bank of China. If the loan term is 1 to 5 years, the annual interest rate of the provident fund loan is 2.75%, and if the loan term is more than 5 years, the annual interest rate of the provident fund loan is 3.25%.