The loan interest rate of rural commercial banks fluctuates on the benchmark interest rate of the central bank, as follows:

1. Short-term loan: the loan interest rate within one year is 4.35%.

2. Medium-and long-term loans: the loan interest rate including one to five years is 4.75%; The loan interest rate for more than five years is 4.9%.

3. Personal housing provident fund loan: the loan interest rate for five years and below is 2.75%; The loan interest rate for more than five years is 3.25%.

Specifically, the loan contract interest rate of rural commercial banks shall prevail. As the basic calculation method of bank deposit interest and loan interest. The interest calculation formula has played a great role in the daily settlement of banks and the daily life of ordinary people, and it will become more and more important.