Annual interest rate of various loans%: within one year (including one year) 4.35; One to five years (including five years) 4.75; More than five years 4.90; Annual interest rate of individual housing provident fund loan%: within five years (including five years) 2.75; More than five years, 3.25. The scope of deposit certificate pledge guarantee includes loan principal and interest, penalty interest, damages, liquidated damages and expenses for realizing pledge right. In principle, the amount of the pledged loan shall not exceed 90% of the principal of the certificate of deposit (foreign currency deposits shall be calculated by converting them into RMB according to the buying price of foreign exchange (paper money) announced on the same day). Banks can also reasonably determine the loan amount according to the scope of the deposit certificate pledge guarantee, but the deposit certificate amount should cover the loan principal and interest.

Provisions on the Administration of Regular Pledged Loans by Units

Article 1 In order to strengthen the standardized management of pledged loans, these Provisions are formulated in accordance with the Banking Supervision Law of the People's Republic of China, the Commercial Bank Law of People's Republic of China (PRC), the Property Law of People's Republic of China (PRC) and other relevant laws and administrative regulations.

Article 12 When a loan is pledged with a certificate of deposit of the confirming entity, the amount of the pledged loan generally does not exceed 90% of the confirmed amount. Banks can also reasonably determine the loan amount according to the scope of the deposit certificate pledge guarantee, but the deposit certificate amount should cover the loan principal and interest.

Article 13 Lenders shall not accept unconfirmed unit time deposit certificates as loan guarantees.