Interest rate item annual interest rate (%)

I. Short-term loans

Six months (inclusive) 6. 10%

6.56% from half a year to one year (inclusive)

Second, medium and long-term loans

One to three years (inclusive) 6.65%

Three to five years (inclusive) 6.90%

More than five years, 7.05%

Three, individual housing provident fund loans:

Less than five years (including five years) 4.45%

More than five years, 4.90%