The interest rate is 4.75% for one to five years (including five years) and 4.9% for more than five years. Official website of Jiujiang Bank shows that the credit loan interest rate of Jiujiang Bank is based on the national benchmark interest rate. The interest rate of medium and long-term loans is 4.75% for one to five years (including five years) and 4.9% for more than five years. The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when issuing loans, which is mainly divided into three categories: the loan interest rate of the central bank to commercial banks, the loan interest rate of commercial banks to customers, and the interbank lending rate.