1. Within one year (including one year), the interest rate is 4.35%.

2. The interest rate for one to five years (including five years) is 4.75%.

3. For more than five years, the interest rate has been 4.90%.

The interest rate range for borrowers and borrowers stipulated by the state: The annual interest rate agreed upon by the borrower and borrower is within 24% and is protected by law. If the annual interest rate agreed between the borrower and the borrower exceeds 24% and does not exceed 36%, it is not protected by law and is a natural debt. If the annual interest rate agreed between the borrower and the borrower exceeds 36%, it is not protected by law, and the excess interest is invalid.

: What are the loan interest rates of the six major banks in 2021?

1. Industrial and Commercial Bank of China

In 2021, the loan interest rate for ICBC short-term loans (within six months and within six months) is 4.35%; six months to one year (inclusive) The loan interest rate for one year is 4.35%. The loan interest rate for one to three years (inclusive) is 4.75%, and the loan interest rate for more than five years is 4.9%. For provident fund loans, the interest rate for loans under five years (including five years) is 2.75%; for loans over five years, the interest rate is 3.25%.

2. Agricultural Bank of China

In 2021, the loan interest rate for short-term loans (within six months and within six months) of Agricultural Bank of China is 4.35%; one to five years (including five years) ) The loan interest rate is 4.75%, and the loan interest rate for more than five years is 4.9%. The interest rate for personal housing provident fund loans for five years and below is 2.75%, and the interest rate for loans for five years and above is 3.25%.

3. People's Bank of China

In 2021, the loan interest rate for Chinese banks within one year (including one year) is 4.35%, and the loan interest rate for one to five years (including five years) is 4.75 %, and the interest rate for loans over five years is 4.9%. The interest rate for personal housing provident fund loans for five years and below is 2.75%, and the interest rate for loans for five years and above is 3.25%.

4. Bank of Communications

In 2021, the loan interest rate of Bank of Communications within one year (including one year) is 4.35%, and the loan interest rate from one to five years (including five years) is 4.75%. The interest rate for loans over five years is 4.9%.

5. China Construction Bank

In 2021, the short-term loan interest rate of China Construction Bank (including 6 months) is 4.35%; the loan interest rate of one to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9%.

6. Postal Savings Bank

In 2021, the Postal Savings Bank loan interest rate (within six months) is 4.35%; the loan interest rate from one to five years (inclusive) is 4.75% , the interest rate for loans over five years is 4.9%.