4.5%。 Official website of Huanggang Housing and Urban-Rural Development Bureau shows that the loan interest rate of Huanggang provident fund is related to the deposit of provident fund, average profit rate and loan policy. As of July 8, 2023, the interest rate was 4.5%. Interest rate refers to the ratio of interest amount to loan amount, that is, principal, in a certain period, which is the main factor that determines the capital cost of an enterprise.