1. Short-term loan: within one year (including one year), with annual interest rate of 4.35%.

2. Medium-and long-term loans: the annual interest rate is 4.75% for one to five years (including five years) and 4.90% for more than five years.

3. Personal housing provident fund loan: the annual interest rate is 2.75% for less than five years (inclusive) and 3.25% for more than five years.

The annual interest rate refers to the deposit interest rate for one year. The so-called interest rate is the abbreviation of "interest rate", which refers to the ratio of interest amount to deposit principal or loan principal in a certain period of time.