Legal analysis: short-term loans: within one year (including one year), the adjusted interest rate is 4.35. Medium and long-term loans: the adjusted interest rate is 4.75 for one to five years (including five years); The adjusted interest rate for more than five years is 4.90. Personal housing provident fund loan: the adjusted interest rate is 2.75 for less than five years (including five years); The adjusted interest rate for more than five years is 3.25.

Legal basis: Article 38 of the Law of People's Republic of China (PRC) Commercial Bank, a commercial bank shall determine the loan interest rate according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China.