1. The interest rate of provident fund loans shall be subject to the interest rate standard and relevant regulations published by the People's Bank of China on the loan date.

2. If the interest rate changes during the loan term, it will be adjusted according to the following provisions: for loans with a loan term of one year, the interest rate will not be adjusted; For loans with a loan term of more than 1 year and issued before the adjustment date, the new interest rate regulations will be implemented according to the corresponding interest rate grades from the following year 1.

3. Current annual interest rate 1 ~ 5 years: 2.75%; 6 ~ 30 years old: 3.25%

4. If the borrower uses the housing provident fund personal housing loan for the second time, the loan interest rate is 1. 1 times the benchmark interest rate.

Extended data

The loanable amount is the sum of the personal account balance of the borrower (including the borrower who participated in the calculation of loanable amount) × 10 (times);

For the second provident fund loan, the loanable amount is the sum of the personal account balances of the borrowers (including those who participated in the calculation of loanable amount) ×6 (times).

If the sum of individual account balances is less than 6,543,800 yuan, it shall be calculated as 6,543,800 yuan; If low-and middle-income families with housing difficulties buy affordable housing, the maximum loan amount can reach 30,000 yuan.

Suzhou provident fund management center-basic policies and interest rates of provident fund loans