The actual interest rate of the loan is 5.38%, and this interest rate is obtained by adding 1.08% to a certain base interest rate. According to the query on China Money Network. The loan interest rate is 5.38, and the interest rate plus point margin is 1.08, which means that the actual interest rate of the loan is 5.38%, and this interest rate is obtained by adding 1.08% to a certain base interest rate. The benchmark interest rate generally refers to the loan benchmark interest rate published by the People's Bank of China or the loan prime rate (LPR). Different loan types and terms have different base interest rates and point additions.