The annual interest rate of the first home provident fund loan is 2.6% for less than 5 years and 3. 1% for more than 5 years.

On June, 2022, the central bank adjusted the annual interest rate of the first housing provident fund loan to support housing consumption and promote stable economic growth. According to the adjustment, the annual interest rate of the first housing provident fund loan with a loan term of 1 to 5 years (including 5 years) is 2.6%, and the annual interest rate of the first housing provident fund loan with a loan term of more than 5 years is 3. 1%.