1. First of all, the benchmark interest rate (annual interest rate) stipulated by the People's Bank of China in 20 18 is related to the loan time, of which 4.35% is within one year (including one year), 4.75% is within one to five years (including five years) and 4.90% is above five years.

2. Secondly, the benchmark interest rate (annual interest rate) of 20 18 year provident fund loans is 2.75% for less than five years (including five years) and 3.25% for more than five years.

Finally, there will be some fluctuations when handling bank loans.