Take the central bank as an example:
Short-term loan: 6 months (inclusive), with a loan interest rate of 4.35; The loan interest rate for six months to one year (inclusive) is 4.35.
Medium-and long-term loans: the loan interest rate for one year to three years (inclusive) is 4.75; For three to five years, the loan interest rate is 4.75; For more than five years, the loan interest rate is 4.9.
Personal housing provident fund loan: less than five years, the loan interest rate is 2.75; For more than five years, the loan interest rate is 3.25.
The loan interest rates of ICBC, Agricultural Bank, China Construction Bank and China Bank are consistent with those of the central bank.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons.
The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.
Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.