Calculation method of execution interest rate of bank loan: execution interest rate = benchmark interest rate ×( 1+ floating value of interest rate), in which the downward fluctuation of interest rate is negative. The loan interest rate of the Bank is based on the benchmark loan interest rate published by the People's Bank of China, and fluctuates on the basis of the corresponding term and interest rate. The interest rate actually released by the bank is the executive interest rate. Each bank's loan type and loan term are different, and the execution interest rate is also different. The lowest interest rate is the provident fund loan interest rate. In the past few years, the commercial loan interest rate of mortgage lenders in various banks may have a certain interest rate discount, such as 15% discount, which means that the interest rate will drop 15%, the floating value of interest rate will be-15%, and the long-term housing loan execution interest rate will be 4. 165%. At present, commercial loans generally rise by 20% today, with a floating interest rate of +20% and a long-term housing loan execution interest rate of 5.88%. And various consumer and commercial loans, if the repayment method is different, the interest rate is also different.