1. Shops can only be purchased through commercial loans, and the loan interest rate of shops is 10% of the benchmark interest rate. The benchmark interest rate for loans over five years is 4.9%, and the loan interest rate for shops is 4.9% * 1. 1 = 5.35%.

2. There are two kinds of short-term: within half a year, including half a year, the annual interest rate is 5.6%, and the commercial loan interest rate of shops is 6.16%; The annual interest rate for more than six months and less than one year is 6%, and the commercial loan interest rate for shops is 6.6%;

3. There are three kinds of medium and long-term loans: one to three years, of which the annual interest rate is 6. 15% and the commercial loan interest rate of shops is 6.765%; Three to five years, including five years, the annual interest rate is 6.4%, and the commercial loan interest rate of shops is 7.04%; The annual interest rate for more than five years is 6.55%, and the commercial loan interest rate for shops is 7.205%.