The three interest rates are short-term, medium-term, and housing provident fund.

1. Short-term loans: 4.35% for less than six months (including six months) and 4.35% for six months to one year (including one year).

2. Medium and long-term loans: 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.90% for more than five years.

3. Personal housing provident fund loans: 2.75% for less than five years (including five years) and 3.25% for more than five years.