4%、8%、 12%。 The loan interest rates of new energy vehicles are basically the same among the four major banks. The total expense ratio of CCB 1 year, 2-year and 3-year auto loans is 4%, 8% and 12% respectively. New energy vehicles can achieve zero pollution during operation, and do not emit harmful gases that pollute the atmosphere at all. Even if the power consumption is converted into the emissions of power plants, it will cause less pollution than traditional cars.