4.5%。 20 13 implements the first set of interest rate of 4.5%. 20 15 The adjustment of the interest rate of provident fund loans for more than five years shall be 3.25%, with a monthly interest rate of 3.25%/ 12, and the annual interest rate of provident fund loans for five years and below shall be 2.75%. The simple and popular understanding of loan is to borrow money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them.