More than 3.25%. The interest rate of housing provident fund in Lu 'an is 3.25% for the first time and 3.575% for the second time. The down payment for the purchase of an auction house shall not be less than 20% of the house value, the first application for housing provident fund loans shall not be less than 30% of the house value, and the second application for housing provident fund loans shall not be less than 40% of the house value.