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Deposit & Loan Rates

Table of RMB Deposit Interest Rate for Urban and Rural Residents, Enterprises and Institutions (% per annum) 
Items Terms Enterprises and Institutions Urban and Rural Residents
Non-guarantee Deposit  Guarantee Deposit  Non-guarantee Deposit  Guarantee Deposit 
Demand Deposit -  0.30   0.30   0.30   0.30 
Time Deposit Deposit and withdraw in lump sum 3-Month  1.40   1.10   1.40   1.10 
6-Month  1.65   1.30   1.65   1.30 
1-Year  1.95   1.50   1.95   1.50 
2-Year  2.40   2.10   2.40   2.10 
3-Year  2.75   2.75   2.75   2.75 
5-Year  2.75   2.75   2.75   2.75 
Deposit and withdraw in lump sum, deposit in lump sum and withdraw in installments, deposit in lump sum and withdraw the interest periodically 1-Year - -  1.30  -
3-Year - -  1.40  -
5-Year - -  1.40  -
Time-demand deposit   - By 60% of the interest rate of time deposit with term within one year deposited and withdrawn in lump sum of the same class
Call Deposit 1-Day  0.55  -  0.55  -
7-Day  1.10  -  1.10  -
Agreement Deposit -  1.00  -  -  -

Table of RMB Loan Interest Rate
Items  (% per annum) 
Short-Term Loan 0-1 Year (including 1 year) 4.35
Medium and Long-Term Loan 1-5 Years (including 5 years) 4.75
Over 5 Years 4.90
Personal Education Loan - By the ruling rate of interest of 1-year short-term loan regardless of the term
Discount - With the rate of rediscount as the low limit
 Personal Housing Accumulation Fund Loan Below 5 Years (including 5 years) 2.75
Over 5 Years 3.25
Penalty Interest Rate 30%-50% higher than the interest rate specified in loan contract

Table of the US dollar Deposit Interest Rate (% per annum) 
Items Under 500 thousand dollars
Demand Deposit 0.07
Call Deposit 7-Day  0.07
1-Month 0.25
3-Month 0.40
6-Month 0.60
12-Month 0.80
18-Month 0.80
24-Month 0.80
Call Deposit 7-Day only applies to Enterprises and Institutions, 18-Month deposit only applies to Urban and Rural Residents.

Table of the Deposit Interest Rate of Small-amount Deposit in non-US dollar Foreign Currency (% per annum) 
Items Euro Hong Kong dollar Japanese yen Great Britain pound Canadian dollar Swiss Franc Australian dollar New Zealand dollar
(EUR) (HKD) (JPY) (GBP) (CAD) (CHF) (AUD) (NZD)
Demand Deposit 0.0050 0.0100 0.0001 0.0500 0.0100 0.0001 0.2375 0.0000
Call Deposit 7-Day  0.0050 0.0100 0.0005 0.0500 0.0500 0.0005 0.2625 -
1-Month 0.0300 0.1000 0.0100 0.0100 0.1000 0.0100 1.2400 -
3-Month 0.0500 0.2500 0.0100 0.0100 0.1500 0.0100 1.3125 -
6-Month 0.1500 0.5000 0.0100 0.0100 0.3000 0.0100 1.3250 -
18-Month 0.2000 0.7000 0.0100 0.0100 0.4000 0.0100 1.5000 -
24-Month 0.2500 0.7000 0.0100 0.0100 0.4000 0.0100 1.5000 -
This table of  interest rate is for reference only, which is subject to the nominal rate of interest in our banking office.

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