The monthly interest rate of provident fund loans is determined according to the years of provident fund loans. The term of provident fund loans is divided into two situations: less than five years (including five years) and more than five years. According to the interest rate standard published by the People's Bank of China, the monthly interest rate of provident fund loans for less than five years (including five years) is 3.00/ 100, and that of provident fund loans for more than five years is 3.50/ 100.