4.35. According to relevant public information inquiries, the bank's various loan benchmark interest rates in January 2019 were 4.35 for more than one year (including one year), 4.75 for one to five years (including five years), and 4.90 for more than five years. A home loan, also known as a home mortgage loan, requires a home buyer to fill in an application form for a home mortgage loan to the lending bank and provide legal documents such as ID card, proof of income, house sales contract, letter of guarantee, etc. that must be submitted. .