They are the interest rate standards of commercial housing loan 20 19 and provident fund, and medium and long-term loans: one year to five years. At present, the benchmark loan interest rate announced by the bank is 0-6 months. 25 According to the regulations of the People's Bank of China, the benchmark annual interest rate of the total loan is 50,000.900%, and the loan term is 2 years: the repayment is made monthly by using the equal principal and interest method.