The loan interest of CITIC Bank is calculated according to the loan amount, loan interest rate and loan term. The specific interest calculation formula is as follows: interest = loan principal × loan interest rate × loan term.

The following is the benchmark interest rate of CITIC Bank loan:

1. Short-term loan: within 1 year (inclusive), with an annual interest rate of 4.35%.

2. Long-term loans:

(1) 1 ~ 5 years (including 5 years) with an annual interest rate of 4.75%;

(2) The annual interest rate over five years is 4.90%.

3, personal housing provident fund loans:

(1) The annual interest rate for the period below 5 years (including 5 years) is 2.75%;

(2) The annual interest rate over five years is 3.25%.

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