6 percent. According to the Chinese government website, the latest central bank loan benchmark interest rate in 2014 is 5.60 for loans within six months (including 6 months) and 6.00 for loans between six months and 1 year (including 1 year). Therefore, the one-year loan interest rate in 2014 It is 6%, but the implementation of each bank is not exactly the same, and it can fluctuate up or down. Loan interest is equal to the total loan amount multiplied by the number of days on the loan multiplied by the daily interest rate. The daily interest rate is equal to the annual interest rate divided by 360.