1. The interest rate for short-term loans (within one year) is 4.35%.

2. The interest rate for medium and long-term loans (from one year to five years) is 4.75%, and the interest rate for loans over five years is 4.9%.

3. The loan interest rate of individual housing provident fund is divided into two grades: the loan interest rate for less than five years (including five years) is 2.6%. The loan interest rate for more than five years is 3. 1%.