According to the interest rate table of provident fund loans of China People's Bank in 2022, the interest rate of provident fund is: 1, and the annual interest rate of individual housing provident fund deposits is: paid in the current year and carried forward from the previous year to:1.5%; 2. Personal housing provident fund loan: the annual interest rate is 2.75% for less than five years (including five years) and 3.25% for more than five years. Provident fund loan refers to personal provident fund loan, which is the provident fund paid by employees who apply for personal provident fund loan. It is suitable for housing provident fund depositors who buy, build, demolish and repair their own houses and retired employees who pay provident fund during their employment, and is a mortgage loan issued by provident fund management offices all over the country to commercial banks. The above is the interest rate of housing provident fund. How to borrow provident fund? The provident fund can be used to borrow money to buy a house. Users can prepare personal identity documents, provident fund co-branded cards, purchase agreements signed with real estate developers, down payment receipts, residence permits (household registration books or temporary residence permits), personal income certificates (such as bank accounts and salary slips) and other related materials, and go to the business outlets of local provident fund management offices to find staff to explicitly apply for loans. After receiving the application form and filling it out, the user submits the report together with relevant materials, and then can try it out. After the trial, the management office will examine and approve the house according to the information provided by the users, and an evaluation agency will evaluate the value of the house. After the approval is passed, the user will be informed. Users who have received the approval notice will sign the loan contract at the business outlets within the promised time, and go through the mortgage and other related procedures at the real estate management bureau, and then the bank will issue loan funds. Generally, it takes about two to three months from the user submitting the loan application to issuing the loan funds. Of course, if the bank encounters a shortage of funds and so on, it may take longer to approve and lend money.