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Interest rate before adjustment

Interest rate after adjustment

Interest rate before adjustment

Interest rate after  adjustment

Annual interest rate %

Month interest rate %o

Annual interest rate %

Month interest rate %o

1.short-term loan

Within 6 months (including 6 months)

4.60

3.83333

4.35

3.625

6 month to 1 year (including 1 year)

4.60

3.83333

4.35

3.625

Middle and long term loan

1 to 3 years (including 3 years)

5.00

4.16667

4.75

3.95833

3 to 5 years (including 5 years)

5.00

4.16667

4.75

3.95833

Over 5 years

5.15

4.29167

4.90

4.08333

3. discount

Takes rediscounting interest rate as

down limit and plus point to determine

4.personal housing

Accumulation fund loan

Below 5 years (including 5 years)

2.75

2.29167

2.75

2.29167

Over 5 years

3.25

2.70833

3.25

2.70833

5. civil affairs department welfare factory loan

6.economic developing loan of Old Revolutionary Base

7.production loan of nationality trade and articles for use

8.Poverty relief interest subside loan (including pasturing area)