1, within one year (including one year), the interest rate is 4.35%.
2. For one year to five years (including five years), the interest rate is 4.75%.
3. For more than five years, the interest rate is 4.90%.
Interest rate range stipulated by the state: the annual interest rate agreed by both borrowers and lenders is less than 24%, which is protected by law. The annual interest rate agreed between the borrower and the borrower exceeds 24% and does not exceed 36%, which is not protected by law and belongs to natural debt. The annual interest rate agreed between the borrower and the borrower exceeds 36%, which is not protected by law, and the excess interest is invalid.
Legal basis: Article 6 of "Several Opinions of the Supreme People's Court on People's Courts Handling Loan Cases" can be higher than the bank's interest rate, and local people's courts can specifically grasp it according to the actual situation in the region, but the maximum shall not exceed 4 times (including interest rate) of the bank's similar loan interest rate. Beyond this limit, the excess interest will not be protected.