The national benchmark interest rates are as follows:

1. Annual interest rate of commercial loans within one year: 4.35%.

2. Annual interest rate of commercial loans for one to five years: 4.75%.

3. The annual interest rate of commercial loans over five years: 4.9%.

4. Annual interest rate of provident fund loans for less than five years: 2.75%.

5. Annual interest rate of provident fund loans for more than five years: 3.25%.