Within six months (including 6 months)loan
Loan 4.35 for six months to one year (including one year)
One to three years (including 3 years) loans 4.75
Three to five years (including 5 years) loans 4.75
Loans of more than five years 4.90
The above is the current benchmark interest rate for loans in China. The national standard for usury is that the loan interest rate is more than four times the benchmark interest rate, that is, the loan interest rate exceeds 4 times, and the state will not protect it. However, the state does not provide the maximum interest on the loan, which means that the funds with you how much interest can be, but if you do not pay according to the agreement, if people sue you, the state will require you to pay at least four times the interest , More than 4 times, the state will not have any protection of funds.