0. 15 percentage point. According to the notice issued by the central bank, since June 65438+1 October1day, the interest rate of the first individual housing provident fund loan in Changchun has been lowered by 0. 15 percentage point, and the interest rates for less than five years (including five years) and more than five years have been adjusted to 2.6% and 3. 1% respectively. The interest rate of individual housing loan refers to the interest rate stipulated by the state or the bank when individuals buy real estate loans.