With the benchmark interest rate unchanged, the loan interest rate and deposit interest rate are the same principle, and the longer the term, the higher the interest rate (on the grounds that the longer the term, the greater the risk). At present, mortgage loans fluctuate according to market interest rates. Some time ago, the interest rate level increased, so did the loan interest rate, and vice versa. As for the calculation, there is a special formula, and you can consult the corresponding books or loan banks.