The loan interest rate of Shanghai Industrial and Commercial Bank is mainly determined by the applicant's qualification, loan type and other factors. Generally, Shanghai Bank will float a certain percentage on the basis of the central bank's benchmark interest rate according to various factors, thus giving borrowers corresponding loan interest rates. At present, the benchmark interest rate of the central bank is:
I. Commercial loans:
1, the loan term is within one year (including one year), and the interest rate is 4.35%;
2. The loan term is one to five years (including five years) and the interest rate is 4.75%;
3. The loan term is more than five years, and the interest rate is 4.90%.
Second, provident fund loans:
1, the loan term is less than five years (including five years) and the interest rate is 2.75%;
2. The loan term is more than five years and the interest rate is 3.25%.