(1) The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different lending banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis of the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on July 6, 20 12. Types and annual interest rates are as follows: ① short-term loans for 6 months (inclusive) 5.6%; ② 6% for half a year to one year (inclusive); ③ One to three years (inclusive) 6.15%; ④ Three to five years (inclusive) 6.4%; ⑤ More than five years, 6.55%.

(2) The bank loan interest rate is comprehensively evaluated according to the credit status of the loan, and the loan interest rate level is determined according to the credit status of the loan, collateral, national policy (whether it is the first set), and the degree of bank credit funds. If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. The state stipulates that the lower limit of the interest rate of the first suite is 8.5 fold, and the bank loan interest rate is comprehensively evaluated according to the credit status of the loan. The loan interest rate is determined according to the credit situation, collateral and national policy (whether it is the first suite or not). If all aspects are evaluated comprehensively, the mortgage interest rates implemented by different banks are different. Some banks offer more discounts, some banks offer up to 15% discount, while others offer little or no discounts. Generally, in the first half of the year, there are sufficient credit funds, and the discount will be higher. In the second half of the year, due to the shortage of funds and other reasons, the benchmark interest rate for the first home loan was implemented, and some of them were 1. 1 times or 1.05 times.