The loan interest rates of major banks in 2022: Central Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of Communications, China Construction Bank and Postal Savings Bank: 1, short-term loans, and the adjusted interest rate within one year (including one year) is 4.35. 2. For medium and long-term loans, the adjusted interest rate for one year to five years (including five years) is 4.75. The adjusted interest rate for more than five years is 4.90.