4.86%。 The mortgage interest rate of Huaibei Industrial and Commercial Bank is 4.35%, the benchmark interest rate for loans within one year (including one year) is 4.35%, and that of Huaibei Industrial and Commercial Bank is 4.86%. The loan term is 1-5 years (including five years). The benchmark loan interest rate is 4.75%, and the actual loan interest rate of Huaibei Industrial and Commercial Bank is about 5.40%. All loans over five years are long-term loans, and the benchmark loan interest rate is implemented.