1, one-year housing loan, with the minimum annual interest rate of 3.25% for one house and 3.65% for two houses.

2. One-year car loan, if you apply for car loan directly, the annual interest rate will start at around 4.35%; If you apply for car installment by credit card, the installment interest rate will be converted into an annualized interest rate of about 0%-2 1%.

3. One-year consumer loans, such as Guangsu loans of China Everbright Bank, can reach up to 200,000 yuan, and the annualized interest rate (simple interest) is 4%- 15%.