① When the loan extension period plus the original term reaches the new interest rate period, the loan interest will be calculated and charged according to the new interest rate period from the date of extension. If the loan does not reach the new interest rate period, the contract will still be executed. Interest rates; ② Overdue loans and misappropriated loans are charged interest and penalty interest in accordance with regulations; ③ Interest on loans that are not repaid as agreed in the contract before maturity is calculated as compound interest based on the contract interest rate, and interest on loans that are not repaid in accordance with the contract after the loan is overdue Compound interest is calculated based on the overdue interest rate; ④ Interest is calculated and charged according to regulations on discounted loans according to the interest subsidy method.