At present, the interest rates of the first home loans of major banks in Fuzhou are the benchmark interest rates of the People's Bank of China, and the lending banks will increase by a certain percentage based on the benchmark interest rates of the People's Bank of China according to the qualifications of borrowers.

The benchmark interest rate of the People's Bank of China is:

I. Commercial loans:

1, the loan term is within one year (including one year), and the interest rate is 4.35%;

2. The loan term is one to five years (including five years) and the interest rate is 4.75%;

3. The loan term is more than five years, and the interest rate is 4.90%;

Second, provident fund loans:

1, the loan term is less than five years (including five years) and the interest rate is 2.75%;

2. The loan term is more than five years and the interest rate is 3.25%.

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