The interest rate is generally around 3.25%.

Housing provident fund loan process: Lenders applying for housing provident fund loans must submit a written application to the bank; for loan applications with complete information, the bank will promptly accept and review the application and report it to the provident fund center in a timely manner; the provident fund center is responsible for approving the loan and notifying the bank of the approval results in a timely manner

; The bank will notify the applicant to handle the loan procedures based on the approval results of the Provident Fund Center. The borrower and his wife will sign a loan contract and related contracts or agreements with the bank, and submit the loan contract and other procedures to the Provident Fund Center for review. After approval by the Provident Fund Center, the transfer committee will

Loan fund, the trustee bank will issue loans in full and on time as stipulated in the loan contract; if it is guaranteed by housing mortgage, the borrower must go to the housing property management department in the area where the house is located to go through the real estate mortgage registration procedures. The mortgage contract or agreement must be signed by both husband and wife.

, if securities are pledged, the borrower shall hand over the securities to the management department or alliance center for safekeeping.