The interest rate of provident fund mortgage loans for more than 5 years is 4.25%, and the monthly interest rate is 4.25%/12. The interest rate for provident fund loans for 5 years and less is 3.75% per year.

Provident fund generally refers to housing provident fund.

The housing provident fund refers to the equal contributions made by state agencies and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social groups and their employees.

Long-term housing savings.