The benchmark interest rate of banks is the same, but the floating situation of each bank may be different. It depends on your assets and credit information. 10 this year, it is generally the average capital or equal principal and interest repayment, that is, interest and principal are repaid once a month, and repayment can be made in advance. You have to apply to the bank first, and then pay a prepayment fee, which seems to be 1500-3000. The loan is 200,000 yuan, 10 year. The interest is estimated to be between 60,000 and 70,000. You'd better ask the local financing institution, because I'm in Chengdu and I can't help you. The above suggestions are for reference only, and I hope everyone will adopt them. thank you