usually, the term of medium-term loans is between 1 and 5 years, and the term of long-term loans is more than 5 years. Therefore, in terms of interest rate, as of January 29, 219, the benchmark interest rate of the central bank's loan is: the interest rate for 1-5 years (including 5 years) is 4.75%, which means that the benchmark interest rate for medium-term loans is 4.75%; The benchmark interest rate for loans over five years is 4.9%, which means that the benchmark interest rate for long-term loans is 4.9%. Therefore, when users make medium and long-term loans, these aspects need to be known before making loans.

of course, the above interest rate is only the benchmark interest rate given by the central bank, not the actual loan interest rate of commercial banks. The loan interest rate of commercial banks will fluctuate on the benchmark interest rate of central bank loans. At the same time, when the borrower applies for a loan, the bank will also give a certain interest rate discount to the borrower with better qualifications after comprehensive evaluation based on the personal data submitted by the borrower. Therefore, it also causes that different borrowers may lead to different interest rates in the same bank.

Lending skills: 1. Lending after the RRR cut by the central bank. The central bank's RRR cut refers to lowering the deposit reserve ratio. In this case, the lending scale of commercial banks around the country will increase. Therefore, when making loans, the approval may not be as strict as before. At this time, it is more conducive to our loan.

2. Provide strong financial proof. In the process of loan, the borrower tries to provide strong financial proof. This is not only conducive to the bank's loan approval, but also possible to obtain preferential bank interest rates. Therefore, when submitting the loan information, this aspect still needs your attention.

3. Choose the appropriate loan term. The loan term is related to the interest paid at the time of loan and the monthly repayment amount. Therefore, in the process of loan, it is very important to choose the appropriate loan term.