In 2022, the commercial loan interest rate of rural commercial banks was 4.35%. 4.75% and 4.9%.

Details are as follows:

1, and the interest rate within one year after adjustment is 4.35%.

2. The adjusted interest rate for one to five years is 4.75%.

3. After five years, the adjusted interest rate is 4.9%.

The adjusted interest rate for individual housing provident fund loans is 2.75% for less than five years and 3.25% for more than five years.