3.025% for less than 5 years and 3.575% for more than 5 years. According to the information released by Qingdao Housing Provident Fund Network on August 28th, 2023, the interest rate of the first self-occupied housing loan is 2.6% for less than five years and 3. 1% for more than five years. When buying two self-occupied houses, the loan interest rate for less than five years (including five years) is 3.025%, and the loan interest rate for more than five years is 3.575%.