202 1 latest commercial loan interest rate: within six months, the loan interest rate is 4.35%; From half a year to one year, the loan interest rate is 4.35%; For one to three years, the loan interest rate is 4.75%; For three to five years, the loan interest rate is 4.75%; For more than five years, the loan interest rate is 4.9%. The above Yinchuan mortgage interest rate is the benchmark interest rate of the central bank, and every commercial bank will float on this basis. Its loan interest rate is also related to other factors.