1、申请贷款，需要注意贷款的利息。

1. When applying for a loan, pay attention to the interest of the loan.

2、《贷款通则》规定：

2. The General Rules of Loan stipulates that:

（一）贷款利率的确定：贷款人应按照中国人民**规定的贷款利率的上下限，确定每笔贷款利率，并在借款合同中载明；

（1） Determination of loan interest rate: The lender shall determine each loan interest rate according to the upper and lower limit of the loan interest rate specified by the People's Bank of China, and specify it in the loan contract;

（二）贷款利息的计收：贷款人和借款人应当按照借款合同和中国人民**有关计息规定，按期计收或交付利息。贷款的展期期限加上原期限达到新的利率档次时，从展期之日起，按新的期限档次利率计收。逾期贷款按规定计收罚息。

（2） Calculation and collection of loan interest: The lender and the borrower shall calculate and collect or pay interest on schedule in accordance with the loan contract and the relevant interest calculation provisions of the People's Bank of China. When the extension period of the loan plus the original term reaches the new interest rate level, the interest rate of the new term level will be charged from the date of extension. Penalty interest shall be charged for overdue loans according to regulations.

（三）贷款的贴息：根据国家政策，为了促进某些产业和地区经济的发展，有关部门可以对贷款补贴利息。对有关部门贴息的贷款，承办**应自主审查发放，并根据《贷款通则》有关规定严格管理。

（3） Discount interest on loans: According to national policies, in order to promote the development of certain industries and regional economies, relevant departments can subsidize interest on loans. The undertaking bank shall independently examine and issue loans with discount interest from relevant departments and strictly manage them in accordance with the relevant provisions of the General Rules for Loans.

（四）贷款停息、减息和免息：除国务院规定外，任何单位和个人无权决定停息、减息、和免息。贷款人应当根据国务院的决定，按照职责权限范围具体办理停息、减息和免息。

（4） Interest suspension, interest reduction and interest exemption of loans: Except as stipulated by the State Council, no unit or individual has the right to decide on interest suspension, interest reduction and interest exemption. The lender shall, in accordance with the decision of the State Council, handle the suspension, reduction and exemption of interest in accordance with the scope of its functions and powers.