The loan interest rates of the six major banks are
In 2022, the interest rate of ICBC's short-term loans (within 6 months, including 6 months) was 4.35%; The loan interest rate for half a year to one year (including one year) is 4.35%. The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%.
The short-term loan interest rate of ABC (within six months, including six months) is 4.35%; The loan interest rate for one year to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9%. For individual housing provident fund loans, the loan interest rate for five years and below is 2.75%, and the loan interest rate for five years and above is 3.25%.
The loan interest rate of China Mingren Bank is 4.35% within one year (including one year), 4.75% for one to five years (including five years) and 4.9% for loans over five years. For individual housing provident fund loans, the loan interest rate for five years and below is 2.75%, and the loan interest rate for five years and above is 3.25%.
The loan interest rate of Bank of Communications is 4.35% within one year (including one year), 4.75% for one to five years (including five years) and 4.9% for loans over five years.
The short-term loan interest rate of CCB (within six months, including six months) is 4.35%; The loan interest rate for one year to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9%.
Postal savings bank, the loan interest rate (within six months, including six months) is 4.35%; The loan interest rate for one year to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9%.
The benchmark interest rate of central bank loans: the interest rate of short-term loans (within six months, including six months) is 4.35%; The loan interest rate for half a year to one year (including one year) is 4.35%. The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%. Commercial loans are generally applied through banks, and the interest rate of commercial loans will rise relative to the benchmark interest rate of loans. Each bank has its own interest rate regulations. The specific loan interest rate needs to be comprehensively evaluated in combination with the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets.