1, Industrial and Commercial Bank of China

The loan interest rate for short-term loans (within six months, including six months) is 4.35%;

The loan interest rate for six months to one year (including one year) is 4.35%;

The loan interest rate for one year to five years (including five years) is 4.75%;

The loan interest rate for more than five years is 4.9%.

2. Agricultural Bank of China

The loan interest rate for short-term loans (within six months, including six months) is 4.35%;

The loan interest rate for one year to five years (including five years) is 4.75%;

The loan interest rate for more than five years is 4.9%.

3. China People's Bank

The loan interest rate within one year (including one year) is 4.35%;

The loan interest rate for one year to five years (including five years) is 4.75%;

The loan interest rate for more than five years is 4.9%.

4. Bank of Communications

The loan interest rate within one year (including one year) is 4.35%;

The loan interest rate for one year to five years (including five years) is 4.75%;

The loan interest rate for more than five years is 4.9%.

5. China Construction Bank

The loan interest rate for short-term loans (within six months, including six months) is 4.35%;

The loan interest rate for one year to five years (including five years) is 4.75%;

The loan interest rate for more than five years is 4.9%.

6. Postal Savings Bank

The loan interest rate (within six months, inclusive) is 4.35%;

The loan interest rate for one year to five years (including five years) is 4.75%;

The loan interest rate for more than five years is 4.9%.

Finally, the loan interest rate should be comprehensively evaluated in combination with the business type, credit status and guarantee method you apply for, and can only be determined after approval by the handling outlets. Maintaining a good personal credit report is conducive to the approval of loans.

2. Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Bank loans generally need to provide guarantees, house mortgages, income certificates and good personal credit information before they can apply. In different countries and different development periods of a country, the types of loans classified according to various standards are also different.