Three-month interest rate 1.35%, six-month interest rate 1.56%, 1 interest rate/.78%, two-year interest rate 2.25%, three-year interest rate 2.75% and five-year interest rate 2.75%.

The loan interest rate determines the interest required for future repayment. The People's Bank of China announces the benchmark interest rate of loans every year, and local banks will make adjustments according to their own conditions. However, institutional loan companies are not bound, so we must pay attention to interest rates when lending, otherwise it is likely to be involved in usury.

Since 20 15, 10124 October, the central bank has cut interest rates by 0.25 percentage points and RRR by 0.5 percentage points. The central bank also announced the liberalization of the floating ceiling of deposit interest rates. However, the relevant person in charge of the central bank stressed that the abolition of administrative restrictions on interest rate fluctuations does not mean that the central bank will no longer manage interest rates, and interest rate marketization will enter a new stage.

In official website, the central bank issued a notice to adjust the deposit interest rate of employees' housing provident fund account from February 2, 20 16, from the current benchmark interest rate for current and three-month deposits divided by collection time to the unified benchmark interest rate for one-year time deposits. According to the regulations of the central bank, the interest collected in the current year and carried forward from the previous year is calculated at the benchmark interest rates of demand deposits and three-month time deposits, which are currently 0.35% and 1. 10% respectively. After this adjustment, the deposit interest rate of the employee housing provident fund account is uniformly implemented according to the one-year time deposit benchmark interest rate, which is currently 1.50%.