The interest rate of real estate mortgage loan of Postal Savings Bank is obtained by floating on the basis of the benchmark interest rate of commercial loans, and the floating range is generally 0.5 to 2 percentage points. The specific floating range is determined by the postal bank according to the credit information and qualification of the borrower. The benchmark interest rate for commercial loans is:

1. The loan covers one year, and the benchmark interest rate for commercial loans is 4.35%.

2. The loan term is one to five years, including five years, and the benchmark interest rate for commercial loans is 4.75%.

3. The benchmark interest rate for commercial loans over five years is 4.90%.