According to the relevant national policies and regulations, the interest rate of provident fund loans is released by the People's Bank of China in time and implemented after being audited by the Ministry of Housing and Urban-Rural Development. At present, the interest rate of provident fund loans is 3.25%, which remains unchanged during the loan period and is not affected by market changes. However, the mortgage interest rate of commercial banks is usually floating and may be adjusted with the change of market economy environment. Therefore, the interest rate of provident fund loans is relatively stable, which is suitable for buyers who need long-term repayment.