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

Bill Discount

Lower limit of rediscount rate + points

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