In 20 17, the benchmark loan interest rate announced by the People's Bank of China was 4.35% from June to June (inclusive), 4.35% from June to 1 (inclusive) and 4.75% from June to 1-5 (inclusive).
The benchmark interest rate for deposits and loans is the guiding interest rate for loans issued by the central bank (People's Bank of China) to commercial banks, and it is one of the monetary policies used by the central bank to regulate the operation of social economy and financial system.
Commercial banks will formulate loan interest rate portfolios on the basis of this benchmark interest rate. Raising the benchmark interest rate means shrinking credit, reducing social mobility, raising the cost of credit and slowing down economic development. or vice versa, Dallas to the auditorium
According to official website, People's Bank of China, since 20 15, 10/24, the current interest rate of RMB has been adjusted as follows: within one year (including one year), 4.75% for one to five years (including five years) and 4.90% for more than five years.
On August 25th, 20 15, the People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from August 26th, 20 15, so as to further reduce the financing costs of enterprises. Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.6%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to1.75%; The benchmark interest rates for loans and deposits of other grades and the deposit and loan interest rates for individual housing provident fund shall be adjusted accordingly. At the same time, the floating upper limit of interest rates for time deposits of more than one year (excluding one year) will be liberalized, while the floating upper limit of interest rates for demand deposits and time deposits of less than one year will remain unchanged. From 2065438 to September 6, 2005, the RMB deposit reserve ratio of financial institutions will be lowered by 0.5 percentage point, so as to keep liquidity in the banking system reasonably abundant and guide the steady and moderate growth of money and credit. At the same time, in order to further enhance the ability of financial institutions to support "agriculture, rural areas and farmers" and small and micro enterprises, the reserve ratio of rural financial institutions such as county-level rural commercial banks, rural cooperative banks, rural credit cooperatives and village banks was lowered by 0.5 percentage points. Reduce the reserve ratio of financial leasing companies and auto financing companies by 3 percentage points and encourage them to play a good role in expanding consumption.
On June 27th, 20 15, the People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from June 28th, 20 15, so as to further reduce the financing costs of enterprises. Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.85%; The benchmark interest rate for one-year deposits is lowered by 0.25 percentage points to 2%; The benchmark interest rates for loans and deposits of other grades and the deposit and loan interest rates for individual housing provident fund shall be adjusted accordingly.
On February 28th, 20 15, the People's Bank of China announced that the benchmark interest rates for RMB loans and deposits of financial institutions would be lowered from March 28th, 20 15 to March 28th, 20 15. The central bank decided to cut the benchmark interest rate for one-year loans of financial institutions by 0.25 percentage points to 5.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to 2.5%. At the same time, combined with the interest rate marketization reform, the upper limit of the floating range of deposit interest rate of financial institutions is adjusted from 1.2 times of the benchmark deposit interest rate to 1.3 times; The benchmark deposit and loan interest rates of other grades and the deposit and loan interest rates of individual housing provident fund are adjusted accordingly.
201165438+1On October 22nd, the People's Bank of China decided to lower the benchmark interest rate of RMB deposits and loans of financial institutions from 20165438+1October 22nd. Financial institutions will be reduced by 0.00 percentage point within 6 months (including 6 months), by 0.40 percentage point from 6 months to 1 year (including 1 year), and by 0. 1 5 percentage point from1to 3 years (including 5 years). Housing provident fund deposit and loan interest rates will also be lowered simultaneously.
On June 8, 20 12, the people's bank of China decided to lower the benchmark interest rate of RMB deposits and loans of financial institutions from June 8, 20 12. The benchmark interest rates of one-year deposits and loans of financial institutions were lowered by 0.25 percentage points respectively, and the deposit and loan interest rates of housing provident fund were also lowered simultaneously.
What is the interest rate of 20 17 mortgage?
1 and 20 17 commercial loan interest rate: within six months, the loan interest rate is 4.35%; From half a year to one year, the loan interest rate is 4.35%; For one to three years, the loan interest rate is 4.75%; For three to five years, the loan interest rate is 4.75%; For more than five years, the loan interest rate is 4.9%.
2.20 17 provident fund loan interest rate: within six months, the interest rate is 2.75%; Six months to one year, the interest rate is 2.75%; For one to three years, the interest rate is 2.75%; For three to five years, the interest rate is 2.75%; For more than five years, the interest rate is 3.25%.
Extended data
Conditions and procedures for commercial loans
1. The conditions for commercial loans need to meet four points: ① the applicant's age 18-65 years old; (2) The applicant shall pay more than 30% of the down payment; (3) The applicant should have a stable job and can provide relevant salary certificates; (4) The applicant has good credit and meets the commercial loan standards.
2. When the borrower signs a house purchase contract with the developer, it will pay 30% of the house purchase price; Submit relevant materials to the law firm for review; After receiving the approval of legal opinions, banks sign loan contracts, mortgage contracts and guarantee contracts with buyers.
3, according to the data for mortgage registration, home insurance, contract notarization procedures, and lending. The borrower repays the loan by equal repayment. For the outstanding loan principal, the borrower can repay it in one lump sum, and interest will still be charged in the current period of prepayment, and no penalty will be charged.