By the policy to help, rural poverty alleviation loans are interest-free, in general, the loan applicant does not need to go back to pay interest, only need to repay the loan principal. The interest will be subsidized by the local government with financial resources.

The current benchmark interest rates for bank loans are:

1, 4.35% per annum for loans of less than one year (including five years); 2, 4.75% per annum for loans of one year to five years (including five years); and 3, 4.90% per annum for loans of more than five years. General small and medium-sized enterprise loans, guaranteed loan interest rate of about 70%, converted annual interest rate of 7.395%; mortgage loans about 50%, converted annual interest rate of 6.525%.