In 2020, the loan interest rate of shops will rise by about10% on the basis of the benchmark interest rate:1.6 months (inclusive), the benchmark interest rate of loans is 4.35%, and the commercial loan interest rate of shops is about 4.785%; The benchmark interest rate for loans from 2.6 months to 1 year (inclusive) is 4.35%, and the commercial loan interest rate for shops is about 4.785%; 3. 1-3 years (inclusive) the benchmark loan interest rate is 4.75%, and the commercial loan interest rate of shops is about 5.225%; The benchmark interest rate for 4.3-5 years (inclusive) loans is 4.75%, and the commercial loan interest rate for shops is about 5.225%; The benchmark interest rate for loans over 5.5 years is 4.9%, and the loan interest rate for shops is about 5.35%.