If it is a normal commercial loan or provident fund loan, the loan interest rate is stipulated by the state. Depending on whether you buy a house for the first time or for the second time, there will be different interest rates, and the loan term has a certain relationship with the loan interest rate. But it doesn't matter much. Taking five years as the boundary, the loan interest rate will be higher, and in five to 30 years, the loan interest rate will be lower. Basically, more than 90% of the loans have a term of more than five years. As long as the loan period is more than 5 years, the interest rate will not change. If you choose the way of mortgage consumer loans, it will be different. The longer the loan time, the higher the interest rate. For example, loan 10 year, interest rate floating 10%. If you borrow it for 20 years, the interest rate will rise by 20%.

Short-term loan: a form of loan granted to enterprises by banks or other financial institutions in China with a term of 1 year (inclusive). At present, China's short-term loans are divided into working capital loans, temporary loans and settlement loans according to their purposes. According to the different ways of borrowing, it can also be divided into guaranteed loans, mortgage loans, pledge loans and credit loans.

Medium-term loans refer to loans with a loan term of more than one year (excluding one year) to less than five years (including five years).

Long-term loans refer to loans with a loan term of more than 5 years (excluding 5 years). Including: technical transformation loans, capital construction loans, engineering loans, real estate loans, etc.

Medium-and long-term loans, also known as project loans, refer to loans issued by commercial banks for borrowers to build, expand, rebuild, develop and purchase fixed assets investment projects. Real estate loans also belong to the category of project loans, but the policies implemented are different from those of project loans.

At present, China's short-term loans are divided into working capital loans, temporary loans and settlement loans according to their purposes. According to the different ways of borrowing, it can also be divided into guaranteed loans, mortgage loans, pledge loans and credit loans.