1, and the interest rate of personal provident fund loans for less than five years (including five years) is 2.75%;

The interest rate for more than five years is 3.25%, which is the same all over the country. The calculation of provident fund loan 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.