1. Short-term loan: within one year (including one year), with annual interest rate of 4.35%;

2. Medium and long-term loans: one to five years (including five years), with an annual interest rate of 4.75%; For more than five years, the annual interest rate is 4.90%;

Third, personal provident fund loans: less than five years (including five years), with an annual interest rate of 2.75%; For more than five years, the annual interest rate is 3.25%;

Rural commercial bank loan process:

1. The borrower applies for a loan from the bank, fills in the loan application form and submits relevant information specified by the bank;

2. Bank staff investigate and review the relevant information submitted;

3. Data passed, investigation passed and approval passed;

4. The bank signs a loan contract with the borrower, and implements the loan conditions and loan mortgage procedures;

5. Open a bank account and the bank issues loans;

6. The borrower shall repay the principal and interest of the loan on schedule according to the regulations of the bank, and this contract shall be terminated after the loan is paid off.