The interest rates of consumer loans of major banks are basically the same as those of the central bank, and the interest rate of consumer loans within one year (including one year) is 4.35%; The interest rate of consumer loans for one year to five years (including five years) is 4.75%; The interest rate of consumer loans over five years is 4.9%. The interest rate of individual housing provident fund loans for less than five years (including five years) is 2.75%; The interest rate of individual housing provident fund loans for more than five years is 3.25%.

Consumer loans generally refer to personal consumer credit. Personal consumption credit refers to the credit provided by banks or other financial institutions to individual consumers in the form of commodity currency through credit, mortgage, pledge guarantee or guarantee. Consumer credit is divided into buyer's credit and seller's credit according to different loan objects. Buyer's credit is a loan issued to consumers who buy consumer goods, such as personal travel loans, personal comprehensive consumption loans and personal short-term credit loans. Seller's credit is a loan secured by installment payment documents issued to enterprises selling consumer goods, such as personal micro-loans, personal housing loans, personal car loans, etc. According to the different guarantees, it can be divided into mortgage loan, pledge loan, guarantee loan and credit loan.