Legal analysis: the interest rate of Xuzhou provident fund loan will be implemented according to the following standards: 2.75% for five years and below. More than five years, 3.25%. If the central bank adjusts the interest rate of provident fund loans, the issued provident fund loans will be implemented according to the latest interest rate standard from the following year 1.

Legal basis: Article 6 of the Regulations on the Management of Housing Provident Fund, the deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.