According to the inquiry of Guangzhou local treasure, the interest rate of Guangzhou provident fund loan is divided into two types: the first suite and the second suite. The interest rate of the first home loan is 2.75% below five years (inclusive) and 3.25% above five years. For the second home loan, the annual interest rate is 3.025% for less than five years (inclusive) and 3.575% for more than five years.