Legal analysis: 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.

Legal basis: Article 7 of the Measures for Personal Time Deposit of Pledged Loans includes loan principal and interest, penalty interest, damages, liquidated damages and expenses for realizing pledge right. In principle, the amount of pledged loans 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 (cash) 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.