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RMB Loan Rates Table

                                                                    Unit: Annual Interest Rate%

Types

    PBOC Base Rates

     before adjustment

        PBOC Base Rates 

         after adjustment

1Short-term Loan



 0-6 months(including 6 months)

5.85

5.60

6 months to 1 year(including 1 year)

6.31

6.00

2Medium and Long-term Loan



1-3 years(including 3 years)

6.40

6.15

3-5 years(including 5 years)

6.65

6.40

Above 5 years

6.80

6.55

3Discount

Determined by adding percentage points to rediscount rate.

Determined by adding percentage points to rediscount rate.

5 years

4.75

5.225

4Personal Home Reserve Loan



Below 5 years(including 5 years)

                4.20

                4.00

Above 5 years

                4.70

                4.50


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