1, People's Bank of China: 4.35% for six months (inclusive), 4.35% for six months to one year (inclusive), 4.75% for one to three years (inclusive), 4.75% for three to five years (inclusive) and 4.9% for more than five years.
2. ICBC: 4.35% for 6 months (inclusive), 4.35% for 6 months to 1 year (inclusive), 4.75% for 1 3 years (inclusive), 4.75% for 3 to 5 years (inclusive) and 4.9% for more than 5 years.
3. Agricultural Bank: 4.35% for 6 months (inclusive), 4.35% for 6 months to 1 year (inclusive), 4.75% for 1 3 years (inclusive), 4.75% for 3 to 5 years (inclusive) and 4.9% for more than 5 years.
4. China Construction Bank: 4.35% for 6 months (inclusive), 4.35% for 6 months to 1 year (inclusive), 4.75% for 1 3 years (inclusive), 4.75% for 3 to 5 years (inclusive) and 4.9% for more than 5 years.
5. Bank of China: 4.35% for 6 months (inclusive), 4.35% for 6 months to 1 year (inclusive), 4.75% for 1 3 years (inclusive), 4.75% for 3 to 5 years (inclusive) and 4.9% for more than 5 years.
6. Bank of Communications: 4.35% for 6 months (inclusive), 4.35% for 6 months to 1 year (inclusive), 4.75% for 1 3 years (inclusive), 4.75% for 3 to 5 years (inclusive) and 4.9% for more than 5 years.
7. China Merchants Bank: 4.35% for 6 months (inclusive), 4.35% for 6 months to 1 year (inclusive), 4.75% for 1 3 years (inclusive), 4.75% for 3 to 5 years (inclusive) and 4.9% for more than 5 years.
8. CITIC Bank: 4.35% for 6 months (inclusive), 4.35% for 6 months to 1 year (inclusive), 4.75% for 1 3 years (inclusive), 4.75% for 3 to 5 years (inclusive) and 4.9% for more than 5 years.
9. Hang Seng Bank: 5.6% for six months (inclusive), 6% for six months to one year (inclusive), 6. 15% for one to three years (inclusive), 6.4% for three to five years (inclusive) and 6.55% for more than five years.
Legal basis: Notice of the People's Bank of China on issues related to RMB loan interest rate.
I. On the interest settlement of RMB loans.
The method of interest calculation and settlement for RMB loans (not applicable to individual housing loans) shall be determined by both borrowers and borrowers through consultation.
II. Adjustment of loan interest rate during the contract period.
The interest rate of medium and long-term RMB loans is fixed from the original one year to be determined by both borrowers and borrowers according to commercial principles. During the contract period, it can be adjusted monthly, quarterly and annually, or a fixed interest rate can be adopted. The interest rate of loans with a term of more than five years shall be determined independently by financial institutions with reference to the interest rate of loans with a term of more than five years published by the People's Bank of China.
The Adjustment Table of RMB Loan Benchmark Interest Rate of Financial Institutions stipulates that
1. Short-term loan: 4.35% within one year (including one year);
2. Medium and long-term loans: one to five years (including five years): 4.75%; More than five years, 4.90%;
3. Personal housing provident fund loan: 2.75% for less than five years (including five years); More than five years, 3.25%.