The benchmark interest rates determined by the central bank are as follows:
1. Within one year, the benchmark interest rate of commercial loans is 4.35%.
2. Within one to five years, the benchmark interest rate for commercial loans will be 4.75%.
3. For more than five years, the benchmark interest rate of commercial loans is 4.90%.
4. For less than five years, the benchmark interest rate for provident fund loans is 2.75%.
5. For more than five years, the benchmark interest rate for provident fund loans is 3.25%.