The annualized rate is as follows:

1. The upper limit of the annualized interest rate for the recurring interest generated by failure to repay in full on time is 18.25%, and the lower limit is 12.775%.

2. The annual interest rate within 1 year (including 1 year) is 4.35%.

3. The annual interest rate for 1-5 years (including 5 years) is 4.75%.

4. The annual interest rate for 5-30 years (including 30 years) is 4.9%.