3.7%。 Official website, the Agricultural Bank of China's Netjet loan, shows that the minimum annual interest rate of Netjet loan is 3.7%, and the repayment method defaults to equal principal and interest. Assuming that the borrower has applied for a loan of 654.38 million yuan, according to the calculation method of equal principal and interest, the total interest for one year is 3,700 yuan. Therefore, the real interest rate of online loan 3.7 is 3.7%. Netjet loan is a small consumer loan issued by Agricultural Bank of China to individual customers of Agricultural Bank of China who meet certain conditions. Customers apply for it by themselves, automatically approve it, and use the letter by themselves.