1. Housing provident fund loan interest rate: 4.05% for less than five years (inclusive) and 4.59% for more than five years; 2. Commercial loan interest rate: 5.97% for one to three years (inclusive); Three to five years (including five years) 6.20%; More than five years, 6.35%. 3. The above standards were promulgated by the central bank on 27 October 2008/KLOC-0.