4.75%. According to the announcement issued by China Everbright Bank: the interest rate for credit loans from 1 to 5 years is 4.75%, and the interest rate for loans over 5 years is 4.90%, so the annual interest rate for a loan of 10,000 yuan is 4.75%. China Everbright Bank was established in August 1992. It is a national joint-stock commercial bank established with the approval of the State Council and the approval of the People's Bank of China. It is headquartered in Beijing.