Generally, it is 5.60% within half a year, 6.00% from half a year to 1 year, 6. 15% from one to three years, 6.40% from three to five years, and 6.55% from five years and above. Provident fund loans are 4.00% for less than five years and 4.50% for more than five years.

Generally speaking, the discount or fluctuation of bank interest rates is mainly due to the following reasons:

1, your own credit information, such as your personal credit record, your collateral evaluation, etc.

2. The influence of national policies, such as setting the loan interest rate of second-home provident fund as 1. 1 times of the benchmark interest rate, whether the bank credit line is tightened or loosened, such as the general credit line of commercial banks is tightened at the end of the year. In this case, interest rates may rise sharply.

3. It may also be that commercial banks introduce interest rate concessions from their own perspective to attract loan applicants.