According to the interest rate table of provident fund loans of China People's Bank in 222, the interest rate of provident fund is as follows: 1. Individual housing provident fund deposits: the annual interest rate paid in the current year and carried forward from the previous year is 1.5%; 2. Personal housing provident fund loan for Kai Sui: the annual interest rate for less than five years (including five years) is 2.75%, and the annual interest rate for more than five years is 3.25%. Provident fund loan refers to personal provident fund loan, which is a mortgage loan distributed by provident fund management offices all over the country to commercial banks by applying the provident fund paid by employees who apply for personal provident fund loans to the depositors of residential provident fund who purchase, build, demolish and repair their own houses and the retired employees who pay the provident fund during their service. The above is the interest rate of housing provident fund. How to borrow the 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 running water and salary slips) and other relevant materials to find a staff member at the business outlets of the local provident fund management office to explicitly apply for a loan. After receiving the application form and filling it out, the user will submit the report together with relevant materials, and then it will be fine for trial. After the trial, the management office will conduct examination and approval according to the material information provided by the users, and an evaluation agency will evaluate the value of the house. When the approval is passed, the user will be notified. The user who receives the notice of approval will sign the loan contract at the business outlet within the promised time, and go to the real estate administration to handle the relevant procedures such as the arrival of the former Sun Qingya, and then the bank will distribute the loan funds. Generally, it will take about two to three months from the time when the user submits the loan application to the time when the loan funds are distributed. Of course, if the bank encounters a shortage of funds and so on, it may take longer to approve and lend money.