I have a relative who wants to borrow my hukou book to buy a house, because her husband owes a large loan to the bank and the house has been taken over by the bank. What will happen if I lend it to him? It matters, but it doesn't matter! Definitely lower than the mortgage. The loan interest rate is 7.83%, and the provident fund interest rate is 5.22. But now there is a lower interest rate, but only limited to this kind of activity, called the housing savings bank. This is made by a friend of mine, and the interest rate is only 3.3%.