4.35。 According to the announcement of the central bank in 2023, the benchmark interest rate of China People's Bank loan:

1. Short-term loan: within one year (including one year), the adjusted interest rate is 4.35.

2. Medium and long-term loans: the adjusted interest rate is 4.75 for one to five years (including five years); The adjusted interest rate for more than five years is 4.90.

3. Personal housing provident fund loan: the adjusted interest rate for less than five years (including five years) is 2.75; The adjusted interest rate for more than five years is 3.25.