1. According to China Travel. Com, the benchmark loan interest rate for commercial loans is 4.35% for loans within one year (including one year), 4.86% for ICBC, 4.75% for loans with loan life 1 to five years (including five years), and the actual loan interest rate for ICBC is about 5.40%. Loans for more than five years are long-term loans.

2. Provident fund loans: the loan interest rate for loans with a loan term of less than 5 years (including 5 years) is 2.75%, and the loan interest rate for loans with a loan term of more than 5 years is 3.25%.