Huaxia Bank's microfinance interest rate is floating according to the benchmark lending rate of the central bank, with a floating range of 0.5 to 2 percentage points, with reference to the applicant's credit and qualification. The benchmark interest rate for central bank loans is:

1. Within one year (including one year), the interest rate is 4.35%.

2. The loan term is one to five years (including five years) and the interest rate is 4.75%.

3. If the loan term exceeds five years, the interest rate is 4.90%.