LPR, the benchmark loan interest rate, is determined by the interest rates of 18 banks (including the four major state-owned banks and commercial banks). Excluding the highest interest rate and the lowest interest rate, the average interest rate is the LPR interest rate of the month. Provident fund loans use the interest rate of provident fund loans, which is adjusted according to the benchmark interest rate of the People's Bank of China, regardless of the benchmark interest rate and LPR interest rate.