At present, the benchmark interest rate of provident fund loans is 2.75% for less than five years and 3.25% for more than five years. It usually takes more than one year to apply for provident fund loans. The calculation of provident fund loan should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, among which the minimum value calculated by the four conditions is the maximum loanable amount of the lender.