I consolidated my loans years ago and have a very low interest rate.

我很多年前就统一计算贷款了，所以利率很低。

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I. Consolidated industrial and commercial tax is levied at a 5 percent rate on interest incomes from foreign-exchange loan business by calculating the balance after subtracting interest expenditure.

外汇贷款业务的利息收入，按减去利息支出后的差额计算征收工商统一税，税率为5%。

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