For loans within one year (including one year), the interest rate is 4.35. ; For a loan of one to five years (inclusive), the interest rate is 4.75; for a loan of more than five years, the interest rate is 4.90.

The operating loan interest rate fluctuates according to the central bank's loan benchmark interest rate. The floating ratio is based on the qualifications and credit of the loan applicant. The central bank's loan benchmark interest rate is: for loans within one year (including one year), the interest rate is 4.35. ; For a loan of one to five years (inclusive), the interest rate is 4.75; for a loan of more than five years, the interest rate is 4.90. Legal basis: "Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases" Article 26 If the interest rate agreed between the borrower and the lender does not exceed the annual interest rate 24, and the lender requests the borrower to pay interest according to the agreed interest rate, the People's Court should be supported. If the interest rate agreed between the borrower and the lender exceeds the annual interest rate of 36, the interest agreement for the excess portion is invalid. If the borrower requests the lender to return the interest that has been paid in excess of 36% of the annual interest rate, the People's Court shall support the request.