The annual interest rate of China Construction Bank is 3.96%, the annual rate of investment is 3.24%, and the annual rate of ICBC is 3.99%. Your installment interest rate of 4.84% is on the high side. Judging from other current loan products of Bank of Communications, the interest rate for short-term loans not exceeding one year is generally around 4.35% per year, and the highest annual interest rate for medium and long-term loans is 4.9%.