1. Short-term loans, within one year (including one year), the base interest rate is 4.35%.

2. Medium and long-term loans, one to five years (including five years), with a base interest rate of 4.75%.

3. For more than five years, the base interest rate is 4.90%; personal housing provident fund loan.

4. For less than five years (including five years), the base interest rate is 2.75%; for more than five years, the base interest rate is 3.25%.