20 18 The interest rate of the first home loan fluctuates according to the benchmark interest rate of the central bank. The benchmark interest rate level is as follows:

1. Commercial loans within one year: 4.350%.

2. Commercial loans for one to five years: 4.750%.

3. Commercial loans with a term of more than five years: 4.900%.

4. Provident fund loans within five years: 2.750%.

5. Provident fund loans for more than five years: 3.250%.