List of loan interest rates of Bank of China in 2022
List of benchmark interest rates for bank loans of China in 2022
Project annual interest rate%
benchmark interest rate
I. Short-term loans
Within one year (including one year) 4.35
Second, medium and long-term loans
One to five years (including five years) 4.75
More than five years 4.90
Three. The annual interest rate of individual housing provident fund loans is%.
Less than five years (including five years) 2.75
More than five years 3.25
Note: The interest rates in this interest rate table are for reference only, and the details are subject to the notice of the business outlets.
Requirements for loan conditions of Bank of China
There are different types of bank loans in China, and the application conditions for different types of loans are also different. Taking the personal credit loan of China Bank as an example, the following conditions need to be met:
1. The borrower has a fixed residence in China and a fixed residence in a local town, and is a citizen of China with full capacity for civil conduct;
2. The borrower has a stable job and income, and has the ability to repay the loan principal and interest on schedule;
3. The borrower is law-abiding and has no illegal acts and bad credit records;
4. The borrower opens a personal settlement account in China Bank;
5. Meet other conditions of China Bank.
Reference interest rate of RMB loans of China Bank in 2022
20 15 10 will be implemented on124 October.
Annual interest rate of the project (%)
I. Short-term loans
Within six months (including six months) 4.35
Six months to one year (including one year) 4.35
Second, medium and long-term loans
One year to three years (including three years) 4.75
Three to five years (including five years) 4.75
More than five years 4.90
Three, personal housing provident fund loans
Less than five years (including five years) 2.75
More than five years 3.25
2. What is the interest rate of China Bank's first home loan now?
(1) The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different lending banks. The state sets the benchmark interest rate, and banks confirm the differential loan interest rate according to various factors, that is, floating up or down on the basis of the benchmark interest rate. The current benchmark interest rate was adjusted and implemented by the People's Bank of China on July 6, 20 12. Types and annual interest rates are as follows: ①6-month (including 5.6%) short-term loans; ②6% from 6 months to 1 year (inclusive); ③ 1 to 3 years (inclusive) 6.15%; ④3 to 5 years (inclusive) 6.4%; 5 years and above, 6.55%. (2) Mortgage: comprehensively evaluate the bank loan interest rate according to the credit status of the loan, and confirm the loan interest rate level according to the credit status of the loan, collateral, national policy (whether it is the first set) and the shortage of bank credit funds. If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. The state stipulates that the lower limit of the interest rate of the first suite is 8.5 fold, and the bank loan interest rate is comprehensively evaluated according to the credit status of the loan. Determine the loan interest rate level according to credit standing, collateral and national policy (whether it is the first suite or not). If the comprehensive evaluation is good, the mortgage interest rates implemented by different banks are different. Some banks offer more discounts, some banks offer a maximum discount of 15%, while others offer little or no discounts. In 20 14, due to the shortage of funds and other reasons, the interest rate of the first home loan was no longer favorable, and the benchmark interest rate rose by 5% (1) 0%, and some even higher. With 1 banks, the interest rates implemented in different places are different.
3. What is the loan interest rate of China Bank in 2022?
2022 Bank of China loan
short-term loan
Within six months (including six months): 4.35%
Half a year to one year (including one year): 4.35%
medium and long term loans
One year to three years (including three years): 4.75%
Three to five years (including five years): 4.75%
More than five years:
personal housing accumulation fund loan
Less than five years (including five years): 2.75%
More than five years: 3.25%
Extended data:
On February 5th, BANKOFCHINA2 was formally established. The head office is located atNo. 1, Fuxingmennei Street, Beijing. It is a large state-owned bank managed by the central government. China Bank is a note-issuing bank in Hong Kong and Macao, and its business scope covers commercial banks, investment banks, funds, insurance and aviation leasing.
China Bank is the only bank in China that has been operating continuously for more than 100 years, and it is also the most internationalized and diversified bank in China. Home and region, with Bank of China International, Bank of China Investment, Bank of China Fund, Leasing, Bank of China Consumer Finance, Bank of China Financial Services, Bank of China Hong Kong and other holding financial institutions.
20 17, China Bank became the only "Ao Shuang Bank" in China.
In 20 19, Bank of China was once again selected as a global systemically important bank, becoming the only financial institution in emerging market economies to be selected for nine consecutive years.
202 1 June, the banker announced that the bank of 2021ranked fourth.
In February of 20 18, BrandFinance released the list of the top 500 global brands of 20 18, which was in the middle.
20 18 12, compiled exclusively by the world brand laboratory) The list of the top 500 world brands was announced in new york, USA, and the Bank of China ranked 198.
201Feb. 9 19 Bank of China was selected as the top brand in China on 20 19.
20 19 12 18, People's Daily released the China Brand Development Index 100 list, and Bank of China ranked 2 1.
In March, 2020, it was selected as the 20th among the top 500 global brands.
In August, 20021,the Fortune Global 500 list was released.
Bank of China is mainly engaged in commercial banking, including corporate and individual financial institutions.
4. What is the latest loan interest rate of China Bank?
The current loan interest rate of China Bank is related to its loan type and customer credit rating. The following are the benchmark interest rates and the latest loan interest rates of various loans of China Bank:
1. Personal housing loan:
-Commercial personal mortgage: the benchmark interest rate is 4.65%, and the latest implementation interest rate is 4.95%.
-Provident fund loan: the benchmark interest rate is 3.25%, and the latest implementation interest rate is 3.65%.
2. Consumer loans:
-General consumer loan: the latest interest rate is 6. 15%- 10.65%.
-Online loan: The latest execution interest rate is 5.60%.
3. Corporate loans:
-Short-term loans: the latest interest rate is 4.35%-5.4%.
-Medium and long-term loans: the latest interest rate is 4.75%-5.25%.
-Investment loan: the latest interest rate is 5.0%-6. 15%.
-Provident Fund loan: The current interest rate is 3.25%.
These interest rates are for reference only, and the actual loan interest rate needs to be determined according to the specific situation. If you need to know the loan interest rate of China Bank in detail, please consult the local branch of China Bank.