Generally speaking, the interest rate of short-term loans is between 4% and 6%, while the interest rate of medium-and long-term loans may be higher.

Specifically, if a borrower applies for a housing loan with a term of more than five years from the Bank of China, its interest rate will usually rise 10% to 30% on the basis of the central bank's benchmark interest rate.

In addition, the Bank of China will adjust the interest rate according to the borrower's credit rating, repayment ability and other factors.

For borrowers with higher credit ratings, Bank of China may offer more favorable interest rates; For borrowers with lower credit ratings, the interest rate may be higher.

When applying for a loan, the borrower should communicate with the Bank of China in detail to find out the specific loan interest rate and repayment method.