The commercial loan interest rate is 4%, and the provident fund loan interest rate is 3. 1%.

1. According to Fang Tianxia's inquiry, the interest rate of commercial loans: the lower limit of the interest rate of commercial personal housing loans for Xi 'an Shoufang is not less than the loan market quotation LPR minus 20 basis points.

2. Interest rate of provident fund loans: The policy will reduce the interest rate of the first set of individual housing provident fund loans by 0. 15 percentage points, and adjust the interest rates for less than five years and more than five years to 2.6% and 3. 1% respectively.