In p>222, the mortgage interest rates of the major banks in Luoyang fluctuated according to the benchmark interest rate of the central bank, and the benchmark interest rate was:

1. Short-term loans: the interest rate within one year (including one year) was 4.35%;

2. medium and long-term loans: the interest rate for one to five years (including five years) is 4.75%, and the interest rate for more than five years is 4.9%;

3. Personal housing provident fund loan: the interest rate for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%.