In 20 12, the People's Bank of China lowered the benchmark loan interest rate twice, and the last time was July 6, 20 12. Therefore, the bank loan interest rate of 20 12 is based on the benchmark loan interest rate announced on July 6:

1. Short-term loan: the interest rate is 5.6% for six months (inclusive) and 6% for six months to one year (inclusive).

2. Medium and long-term loans: the interest rate for one to three years (inclusive) is 6. 15%, the interest rate for three to five years (inclusive) is 6.40%, and the interest rate for five years and above is 6.55%.

3. Provident fund loan: the interest rate is 4.00% for less than five years (inclusive) and 4.50% for more than five years.