The interest rate for short-term loans within one year (including one year) is 4.35%, for medium-and long-term loans within one to five years (including five years) is 4.75%, and for loans over five years is 4.90%.

If you want to apply for a loan from Zijin Rural Commercial Bank, you can learn about the conditions required for a general loan:

1. The borrower must be a natural person who has reached the age of 18 and has full capacity for civil conduct.

2. Have permanent residence or valid residence status in China; Have stable professional and economic income, good credit, and the ability to repay the principal and interest of the loan.

3. Can provide complete purchase contract, purchase contract, admission card, investment plan and other documents. A document certifying the purpose of the loan.

4. Have certain self-owned funds, and be able to pay the down payment according to the specified proportion.

5. Provide effective guarantees recognized by commercial banks.

6. Other conditions stipulated by commercial banks.