Basic interest rate plus floating ratio interest rate: The one-year bank base interest rate is 6.31 plus floating ratio 30-55 (based on your deposit contribution rate and guarantee method in the rural commercial bank), the calculated annual interest rate may be 8.2 -10. In order to save interest, you can apply for a re-employment (laid-off workers, returning migrant workers, veterans, unemployed college students) guaranteed loans with financial discounts.
Note: The 30-55 ratio is for reference only and may vary from place to place. If you apply for a loan for 2 years, the base interest rate is 6.4.