If all 400,000 people get provident fund loans, I will divide your monthly salary by 2. If a person gets 4,000 yuan (money in hand) every month, the provident fund loans may only be used by one person's provident fund, and this person may spend more than 5,000 yuan in the whole company every month. If 8% of the provident fund is deducted from the provident fund every month, the company will subsidize 400 yuan. The overall provident fund account earns 8,000 yuan a month from 800 yuan, and 8,000 yuan from the provident fund in 800 yuan is deducted, for example, 2,200 yuan, which means that the monthly repayment is 3,000 yuan. Personally, I think the loan can last for 20 years.