1. Equal principal and interest. Short-term loan: The interest rate within 1 year (including 1 year) is 4.35. Medium and long-term loans: The interest rate for more than 1 year to 5 years (including 5 years) is 4.75, and the interest rate for more than 5 years is 4.9.

2. Equal principal amount. Short-term loan: The interest rate within 1 year (including 1 year) is 4.35. Medium and long-term loans: The interest rate is 4.9 for more than 5 years.