Legal analysis: the interest rate of provident fund loan announced by the central bank: the annual interest rate of the loan term is 2.75% within five years (inclusive) and 3.25% over five years. At present, the benchmark annual interest rate of loans announced by the People's Bank of China is 0-6 months (inclusive), and the annual interest rate is 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; 5-30 years (including 30 years), with an annual interest rate of 4.90%; The loan interest rate needs to be comprehensively priced according to the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets.

Legal basis: decision on amending the Regulations on the Administration of Housing Provident Fund.

1. The contribution ratio of financial appropriation units, state-owned enterprises and state-holding enterprises shall not be higher than 12%, and the contribution ratio of other units shall be taxed according to the provisions of national tax policies; The lower limit of the deposit ratio shall not be less than 6%;

2. The monthly deposit amount of employee housing provident fund is the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund;

3. The monthly amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit;