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RMB Loan Rates
 
Effective from July 7, 2011

Loan

Annual Rate （% ）

 Short-term Loan

 

    6 months or below

6.10

    1 year or below but above 6 months

6.56

Medium- and Long-term Loan

 

    1—3 year

6.65

    3—5 year

6.90

    Above 5 years

7.05

Personal Home Loan

 

    Personal Home Reserve Loan within 5 years

4.45

    Personal Home Reserve Loan beyond 5 years

4.90

    Self-operated Personal Home Loans

Same as those of Personal Commercial House Loans

Overdue Loan

With 30—50% of penalty, in addition to the loan rate stipulated in the Loan Contract

Loan Appropriation

With 50—100% of penalty, in addition to the loan rate stipulated in the Loan Contract