Short-term loans are 4.35%, medium-and long-term loans are 4.75%, and provident fund loans are 2.6%. According to the official website of Postal Savings Bank, the latest interest rates of postal savings bank loans in 2023 are: short-term loans, with a loan interest rate of 4.35% within one year, medium-and long-term loans, with a loan interest rate of 4.75% for one to five years and a loan interest rate of 4.9% for more than five years. Provident fund loans: the interest rate of provident fund loans for less than five years is 2.6%, and for more than five years it is 3. 1%.