According to the latest benchmark interest rate for bank loans on 20 19, the benchmark interest rate for provident fund loans within five years is 2.75%, and the benchmark interest rate for provident fund loans over five years is 3.25%. In addition, the benchmark interest rate for one-year and above loans is 4.35%, the interest rate for one-year to five-year loans is 4.75%, and the interest rate for five-year loans is 4.90%.