1 year is 3.7%, and over 5 years is 4.6%. The benchmark interest rate of central bank loans: the interest rate of short-term loans (within six months, including six months) is 4.35%; The loan interest rate for half a year to one year (including one year) is 4.35%. The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%. Commercial loans are generally applied through banks, and the interest rate of commercial loans will rise relative to the benchmark interest rate of loans. Each bank has its own interest rate regulations. The specific loan interest rate needs to be comprehensively evaluated in combination with the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets.