1 and within 6 months: the annual interest rate is 5.6%;
2.6 months or more 1 year or less: the annual interest rate is 6.00%.
3. 1-3 years: the annual interest rate is 6.15%;
4. 3-5 years: the annual interest rate is 6.40%;
More than 5.5 years: the annual interest rate is 6.55%.
Extended data
Interest rates are uniformly set by the central bank and implemented by commercial banks.
How to calculate interest:
Deposit interest = principal * interest rate * term (note that the interest rates announced by the central bank are all in years, and if they are deposited for half a year or in current account, they will be converted into monthly interest rates and daily interest rates). The calculation of loan interest is more complicated: it is the same as the calculation of deposit interest above. The calculation of mortgage interest is based on the annuity formula. The calculation formula of monthly mortgage payment is: a = p {i (1+i) n/[(1+i) n-1] a: monthly contribution p: total contribution i: monthly interest rate (annual interest rate).
Baidu encyclopedia-loan interest rate