1. If an employee's family buys the first house, the annual interest rate of the loan for less than five years (inclusive) is 2.6%, and the annual interest rate of the loan for more than five years is 3.1%;

2. If the employee's family deposits the employee to buy a second house, the annual interest rate of the loan for five years or less is 3.025%, and the annual interest rate of the loan for more than five years is 3.575%.

The conditions for withdrawing the provident fund are as follows:

1, employees or their immediate family members (spouse, children, parents) purchase owner-occupied houses and pay the purchase price;

2 employees or their spouses repay the principal and interest of the house purchase loan within the loan term and repayment amount;

3, workers or their spouses to build, rebuild, overhaul the property rights of owner-occupied housing, effective within 0 years from the date of approval documents;

4. If renting a house for self-occupation, within the term of the lease contract;

5. Deposited employees are migrant workers;

6, workers or their immediate family members (spouse, children, parents) enjoy the minimum living guarantee for urban residents.

Legal basis: Article 25 of the Regulations on the Administration of Housing Provident Fund.

If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.

Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.