The specific value of the provident fund interest rate in 2024 has not yet been announced.

Before this, the provident fund loan interest rate had been adjusted several times. For example, starting from October 1, 2022, the annual interest rate of provident fund loans for first-time personal housing loans for less than 5 years (including 5 years) will be reduced from 2.75% to 2.6%, and for more than 5 years will be reduced from 3.25% to 3.1%. In the adjustment implemented on October 24, 2015, the interest rate for provident fund loans for more than five years was 3.25%, and the interest rate for provident fund loans for five years and less was 2.75% per annum. In addition, the deposit interest rate for employees’ housing provident fund accounts has also been adjusted, and is uniformly based on the one-year time deposit benchmark interest rate of 1.50%.

Conditions for providing housing provident fund payment in 2024:

1. Employees and units should pay housing provident fund in accordance with the prescribed ratio;

2. The payment ratio must not be lower 5% of the average monthly salary of employees in the previous year;

3. Cities with conditions can increase the contribution ratio appropriately;

4. The specific contribution ratio shall be determined by the Housing Provident Fund Management Committee Formulated;

5. The deposit ratio must be reviewed by the people's government at the same level;

6. After passing the review, it shall be reported to the people's government of the province, autonomous region, or municipality directly under the Central Government for approval;

< p>7. Employees should pay provident fund on time, in full, and continuously 6 months before applying for a loan;

8. Employees must not have any record of arrears in providing provident fund payment within two years before applying for a loan;

9. Employees should have a stable source of economic income and the ability to repay loans;

10. Deposit-paying units and employees should abide by the specific management regulations of the local housing provident fund.

To sum up, the specific value of the provident fund interest rate in 2024 has not been announced, but you can refer to the adjustments in historical data. In addition, the conditions for providing provident fund deposits in 2024 include requirements such as depositing according to the prescribed proportion, and the deposit proportion being no less than 5% of the average monthly salary of employees in the previous year.

Legal basis:

"Housing Provident Fund Management Regulations"

Article 21

Self-deposit of housing provident fund into employee housing provident fund Interest will be calculated according to the interest rate prescribed by the state from the date of account.