4.35% and 4.75%. The interest rate of housing mortgage loan of Baoding Agricultural Bank varies according to the loan term, among which the short-term loan interest rate is 4.35% for 6 months (inclusive), 4.35% for 6 months to 1 year (inclusive), 4.75% for medium and long-term loans and 4.75% for 3 to 5 years (inclusive).