Six months (inclusive) 4.86

Six months to one year (inclusive) 5.3 1

Second, medium and long-term loans

One to three years (inclusive) 5.40

Three to five years (inclusive) 5.76

More than five years 5.94

Fen and fen are common names, which refer to monthly interest. 5.94% divided by 12 is the monthly interest, which is 4.95‰. When it is called 4.95% by the people, it is less than 5%, for example, it is called 10 per minute, which is more than 2%. The monthly interest rate of usury is as high as 36 ‰ (3 points and 6%), and the annual interest rate is 36 times 12, which is about 43.2%. The loan is 654.38 million yuan, the bank only receives 53 10 yuan, and the usurer receives 43,200 yuan.