CDB loans are divided into short-term loans (with maturity shorter than a year), medium-term loans (1-5 years) and long-term loans (longer than 5 years). For large infrastructure projects, the maturity period can be extended according to the needs of the relevant industries and projects.

The CDB sets interest rates in line with the unified stipulations made by the People's Bank of China. For long-time customers who have maintained sound credit standing, interest rates can be lowered appropriately within the range stipulated by the People's Bank of China.