At present, the benchmark interest rate of commercial bank loans for more than three years to five years (including five years) issued by the People's Bank of China is still 5.76%; 5.94% for more than five years (implemented since February 23, 2008, 65438).

The latest policy of Tianjin Branch (implemented on August 3rd, 2065438+00): General customers enjoy a 20% discount (that is, the implementation interest rate is the benchmark interest rate multiplied by 80%), high-quality customers (financial assets above 50,000 yuan) enjoy a 7. 1% discount, and VIP customers (financial assets above 300,000 yuan) enjoy a 30% discount (the loan interest rate for more than five years is 4.655)

The specific policies of other branches need to consult the local personal loan department because of the different local market conditions.

In addition, I remind you that the interest rate of medium and long-term personal loans is generally fixed at 1 year, which may be adjusted every year 1 day.