I. Commercial loans:

1. The loan term is within one year (including one year) and the interest rate is 4.35%.

2. The loan term is one to five years (including five years) and the interest rate is 4.75%.

3. The loan term is more than five years, and the interest rate is 4.90%.

Second, provident fund loans:

1, the loan term is less than five years (including five years) and the interest rate is 2.75%.

2. The loan term is more than five years and the interest rate is 3.25%.

Interest rate characteristics

The mortgage interest rate in China is uniformly stipulated by the People's Bank of China. If there is a real estate loan in a bank, the loan should pay interest at the interest rate stipulated by the bank. This interest rate is the mortgage interest rate. 2065438+June 7, 2002, the central bank issued an urgent document to commercial banks, requiring that the lower limit of the floating range of individual housing loan interest rate of commercial banks should still be 0.7 times of the benchmark interest rate.