Buying the first suite with provident fund loan in Dongguan is the benchmark interest rate of the central bank, and buying the first suite with commercial loan is based on the borrower's qualification and fluctuates on the benchmark interest rate of the central bank. At present, the benchmark interest rate of the central bank is:

I. Commercial loans:

1, the loan term is within one year (including one year), and the interest rate is 4.35%;

2. The loan term is one to five years (including five years) and the interest rate is 4.75%;

3. The loan term is more than five years, and the interest rate is 4.90%.

Second, provident fund loans:

1, the loan term is less than five years (including five years) and the interest rate is 2.75%;

2. The loan term is more than five years and the interest rate is 3.25%.