BEIJING, Feb. 20 (Xinhua) -- China's loan prime rate (LPR), a market-based benchmark lending rate, saw its over-five-year rate, on which lenders base their mortgage rates, come in at 3.95 percent on Tuesday, down from the previous reading of 4.2 percent.

The one-year LPR remained unchanged at 3.45 percent, according to the National Interbank Funding Center.