1. 1 times of the benchmark loan. According to official website information of Kaili Bank, the interest rate of commercial loan for the second home in Kaili is 1. 1 times of the benchmark loan. Commercial loan commercial banks should increase by 65,438+00% on the basis of the benchmark interest rate of 6.55 announced by the People's Bank of China, that is, 7.265,438+0%. According to national regulations, the interest rate of second-home mortgage should be 1. 1 times the benchmark interest rate. The benchmark interest rate for commercial loans is 6.55%( 10 year), and the benchmark interest rate for provident fund loans is 4.5%.