Benchmark interest rate 1. 1 times. According to the inquiry, the interest rate for commercial loans to buy a second apartment for less than 6 months is 6%, and its 1 times is 16%. The interest rate for 6 to 12 months is 6%, and its execution interest rate for 1 time is 6%. The interest rate of the provident fund loan to purchase the second house is not less than 1. 1 times the benchmark interest rate.