1. Short-term loan: within one year (including one year), with annual interest rate of 4.35%;

2. Medium and long-term loans: the annual interest rate is 4.75% for one to five years (including five years); The annual interest rate for more than five years is 4.90%;

3. Personal housing provident fund loan: the annual interest rate for five years and below is 2.75%; The annual interest rate for more than five years is 3.25%.

The loan interest rate refers to the ratio of interest amount to principal amount during the loan period. The interest rate of loan contracts with banks and other financial institutions as lenders can only be determined through consultation within the upper and lower limits of interest rates stipulated by the Bank of China. If the loan interest rate is high, the repayment amount of the borrower will increase after the loan term, otherwise it will decrease.