Less than five years 3. 1%, more than five years 3.85%. According to the Notice on Adjusting the Loan Interest Rate of Individual Housing Provident Fund issued by Guangzhou Housing Provident Fund Management Center on June 5438+1 October 1 day, 2023, the loan interest rate of the first individual housing provident fund will be lowered by 0./kloc from June 5438+1day, 2022.