Legal analysis: At present, the benchmark loan interest rate announced by the bank is 4.35% for 0-6 months (including June), 4.35% for June-1 year (including 1 year), 1-5 years (including 5 years) and 5-30 years (including 30 years).

Legal basis: Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 26 If the interest rate agreed by both borrowers and lenders does not exceed 24% per annum, the people's court shall support it. The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. The people's court shall support the borrower's request to the lender to return the part of the interest paid that exceeds 36% per annum. "High interest rate is not protected by law, and the agreed interest of private lenders and borrowers shall comply with the law and shall not exceed the maximum interest limit stipulated by law, that is, the agreed interest shall not exceed the annual interest rate of 24%, and the excess shall not be protected; If the agreed interest is between 24% and 36%, as a natural debt, if the parties pay it voluntarily, the law will not interfere; If the agreed interest exceeds 36%, even if the parties have paid it, they can ask for a refund.