Generally speaking, the interest on buying shops and loans is calculated according to the commercial loan interest rate, and the commercial loan interest rate of banks mostly fluctuates on the basis of the benchmark loan interest rate of the People's Bank of China.

The benchmark interest rate of people's bank loans is as follows:

1, the one-year loan interest rate is 4.35%;

2. The loan interest rate for one year to five years (inclusive) is 4.75%;

3. The interest rate for loans over five years is 4.90%.