1. When the loan term is within 6 months (including 6 months), the bank's loan interest rate is 4.35%.

2. When the loan term is 6 months to one year (inclusive), the bank's loan interest rate is 4.35%.

3. When the loan term is 1 to 3 years (including 3 years), the bank's loan interest rate is 4.75%.

4. When the loan term is 3 to 5 years (including 5 years), the bank's loan interest rate is 4.75%.

5. When the loan term exceeds 5 years, the bank's loan interest rate is 4.90%.