4.35% to 4.9%. According to the inquiry from the loan counter window of China Construction Bank, the benchmark interest rate for loans within one year (inclusive) is 4.35%, that for loans from one year to five years (inclusive) is 4.75%, and that for loans over five years is 4.9%. China Construction Bank (hereinafter referred to as China Construction Bank or CCB, formerly known as People's Construction Bank of China, renamed as China Construction Bank on March 26th, 1996) was established on June 5th, 954 (Wu Jianian). It is a joint-stock commercial bank and one of the top five state-owned commercial banks.