For commercial loans, the interest rate rises above the commercial loan interest rate stipulated by the state, and for provident fund loans, the benchmark interest rate of provident fund loans is directly implemented. The current interest rates are as follows:
1, commercial loan:
(1) If the loan term is within 1 year (inclusive), the annual interest rate is 4.35%;
(2) loan term 1~5 years (including 5 years), with an annual interest rate of 4.75%;
(3) When the loan term exceeds 5 years, the annual interest rate is 4.90%.
2, housing provident fund loans:
(1) If the loan term is less than 5 years (including 5 years), the annual interest rate is 2.75%;
(2) When the loan term exceeds 5 years, the annual interest rate is 3.25%.