1. Short-term loans: 4.35% within six months (including six months) and 4.35% from six months to one year (including one year); 2. Medium and long-term loans: 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years; 3. Housing provident fund loans: 2.75% for less than five years (including five years) and 3.25% for more than five years. The above is the interest rate of commercial loans in 2022. Can I borrow from other banks after the loan? After the loan, you can still borrow from other banks, but the success of the loan depends on the regulations of the bank and the personal qualifications of the users. If the previous loan is not overdue, the success rate of users applying for loans in other banks will be much higher. If it is overdue, other banks will reject the user's loan application. Whether it can be refinanced depends on users' repayment ability, cash flow, assets and liabilities, as well as products and market conditions. Users can apply for loans if they have rich personal assets, strong repayment ability and no problem with their reputation. However, it should be noted that if the user's immediate loan is a provident fund loan, he can't apply for a provident fund to buy a house without paying it off, but he can apply for a commercial loan or a consumer loan. How long can the bank loan come down? How long does it take to approve the bank loan? Mainly depends on the type of loan. Generally speaking, payment can be made within one week after the application for credit loan and about one month after the application for housing loan. Moreover, when users apply for bank loans, they can ask the credit Commissioner to estimate the length of the next repayment. As long as there is no policy change, this estimated length is usually more accurate.