Within one year, including one-year short-term loans, the central bank's benchmark interest rate is 4.35%; From one year to five years, including five-year medium-term loans, the benchmark interest rate of the central bank is 4.75%; For long-term loans of more than five years, the central bank's benchmark interest rate is 4.9%.

If it is a personal provident fund loan, including short-term loans of less than five years, the benchmark interest rate of the central bank is 2.75%; For long-term loans of more than five years, the benchmark interest rate of the central bank is 3.25%.