1. According to the regulations of the central bank, the benchmark interest rate of the latest one-year loan in August 20 15 was 5.25%. Banks will raise or lower the benchmark interest rate when calculating the loan interest rate. Now that interest rates are market-oriented, banks can generally go down 10% for high-quality customers, and may go up by 20% for bad customers, basically depending on the financial situation of loan customers. Housing mortgage loan is a popular high-quality loan for banks, and it is more likely to implement the benchmark interest rate. If the loan is made at the benchmark interest rate of 5.25%, the annual loan interest is 200,000 * 5.25% = 1.05 million yuan. 2. If it is a mortgage loan, the annual interest rate is usually around 6%. 3. If it is a general loan, each bank has its own interest rate, which is usually higher than the mortgage loan. If it is a credit loan, the interest rate will be slightly lower than that of a general loan. Interest = 200,000 * annual interest rate * 1.5. If it is a commercial loan, it is 1 year. The above data comes from the internet, for reference only, and I hope it can help you.