Legal analysis: the loan interest rate is 5.6% for 6 months and 6% for 6 months to 1 year; 1-3 years is 6.15%; The annual interest rate for more than 5 years is 6.55%. The interest rate of provident fund loans is low, so most people will borrow in this way. 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. 1. To apply for housing provident fund loan, the borrower shall submit a written application to the bank, fill in the application form for housing provident fund loan and truthfully provide the following information:

1) Proof of deposit of housing provident fund of the applicant and spouse;

2) Identity certificates of the applicant and spouse (referring to valid residence certificates such as resident identity cards and household registration books) and proof of marital status;

3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability 4) valid documents such as house purchase contracts and agreements;

5) Collateral, pledge list, ownership certificate, certificate of consent of the authorized disposition to mortgage and pledge, and collateral appraisal certificate issued by relevant departments;

6) The Provident Fund Center requires a third-party guarantor to guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor jointly sign a tripartite contract;

7) Other materials required by the Provident Fund Center.

2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time.

3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.

Article 6 The deposit and loan interest rate of housing provident fund shall be proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.