What you need to look at is the qualifications of the lender and the length of the loan.

The annual loan interest rate announced by the bank is 4.35 from 0 to 6 months (including June), 4.35 from June to 1 year (including 1 year), and 4.35 from 1 to 5 years (including 5 years). It is 4.75, and 5-30 years (including 30 years) is 4.90. The interest rate will be raised or lowered according to the qualifications of the lender.