The current interest rate for provident fund loans with a term of more than 5 years is 3.25. If the interest rate remains unchanged, the repayment method is to use equal principal and interest repayments. The monthly repayment amount is 1815.03 yuan, using the equal principal method. The repayment amount decreases month by month.

Some China Merchants Bank provides provident fund loans. You can log in to China Merchants Bank’s online customer service/cmu/icslogin.aspx?from=Bamp;logincmu=0 to provide the loan city and purpose for consultation.