Hello , this is IBA Bank . Maria speaking , how may I help ?   Hi , I'm looking into your loans and I'm a little confused about the interest rates . Could you give me some advice ?   Not a problem . Which loan was it you were interested in ? Sorry , I must ask , because the interest rates can depend on the type of loan you apply for .   I understand . I'm interested in the Petty Consumer Loan .   One of our most popular ! The usual interest rate is fixed by the PBC . That is The People's Bank of China . But of course , with some loans , credit rating and loan amount come into play , too .   So , the rate could fluctuate a little , depending on the amount given by the PBC ?   That is correct .   I'm going to have to do some more research into this . Thanks for your help , bye for now . 