According to the query law network, the benchmark interest rate for five-year loans is 4.75%. 0-6 months (including 6 months), annual interest rate of 4.35%, 6 months-1 year (including 1 year), annual interest rate of 4.35%, 1-3 years (including 3 years), annual interest rate of 4.75%, 3-5 years (including 5 years)