1, housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is lower than the loan interest rate of commercial banks (only half of the mortgage interest rate of commercial banks) and lower than the deposit interest rate of commercial banks in the same period. In other words, there is a spread between the mortgage interest rate of the housing provident fund and the bank deposit interest rate.

2. The interest rate of provident fund loans is lower than that of some bank deposits. The upper limit of floating range in deposit interest rate is adjusted from 1 and 1 times of the benchmark interest rate to 1 and 2 times, and the current interest rate of provident fund loans for more than five years is lowered to 4.25%.