Legal analysis: there are two ways to buy a house by loan, commercial loan and personal provident fund loan. The interest rates are as follows: the benchmark annual interest rate of commercial loans 1, 4.35% for 0-6 months (including 6 months) and 4.35% for 6 months-1 year (including 1 year). 2. Benchmark interest rate for personal provident fund loans. The benchmark interest rate for short-term loans for less than five years (including five years) is 2.75%, and the benchmark interest rate for long-term loans for more than five years is 3.25%. However, the loan interest rate should be comprehensively evaluated according to the business variety, credit status and guarantee method applied by the lender.

Legal basis: Article 675 of the Civil Code of People's Republic of China (PRC) stipulates that the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.