The rural commercial bank system in all places is independent, and the loan interest rate is based on the benchmark interest rate of the central bank, and then determined according to its own situation. Different loan products have different interest rates. The benchmark interest rate of central bank loans is within 1 year, and the interest rates over five years are 4.35%, 1-5 years, 4.75% and 4.9% respectively.

Rural commercial banks around the country provide a variety of loan services according to the different loan needs of customers, such as credit loans, mortgage loans, housing mortgage loans and so on. The general loan interest rate will fluctuate by 0-30% on the basis of the central bank's benchmark interest rate according to the lender's credit situation, subject to the actual interest rate.

Legal basis:

People's Republic of China (PRC) Commercial Bank Law

Article 38 A commercial bank shall determine the loan interest rate according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China.

Article 39 A commercial bank shall abide by the following provisions on the management of asset-liability ratio when granting loans:

(1) The capital adequacy ratio shall not be less than 8%.

(2) The ratio of loan balance to deposit balance shall not exceed 75%;

(3) The ratio of the balance of current assets to the balance of current liabilities shall not be less than 25%.

(4) The ratio of the loan balance to the capital balance of a commercial bank to the same borrower shall not exceed 10%.

(5) Other provisions of the State Council Banking Regulatory Authority on asset-liability ratio management.

If the asset-liability ratio of a commercial bank established before the implementation of this law does not meet the provisions of the preceding paragraph after the implementation of this law, it shall meet the provisions of the preceding paragraph within a certain period of time. Specific measures shall be formulated by the State Council.