3.7%。 Official website, a bank, shows that the tobacco loan interest rate of China Industrial and Commercial Bank starts at 3.7%, and the longest loan period is 1 year, which can be recycled. In addition, it is mentioned in the tobacco loan product elements of China Construction Bank that the maximum loan amount is 2 million, the loan period is 12, and the repayment method is to repay the interest first and then the principal, with an annualized interest rate of 3.85%.