The current bank interest rate remains unchanged, as follows:

Commercial loan interest rate 1-5 years, 5-30 years.

After 20 12.07.06, the benchmark interest rates are 6.40% and 6.55%.

After 2014.11.22, the benchmark interest rate is 6.00%6. 15%.

After 20 15.03.0 1, the benchmark interest rates are 5.75% and 5.90%.

At present, there are few preferential activities of interest rate concessions in major banks, depending on the policies of specific banks. As long as you can set the benchmark interest rate for your loan.

In the case of the same interest rate, I suggest you compare the services to facilitate your repayment.

I hope it helps, and I hope to click adopt!

Two. List of loan interest rate adjustments over the years

Over the years, the central bank's loan interest rate has been adjusted as follows

Three. List of deposit interest rates over the years

introduce

Banks have always been the first choice for people to manage their finances. Even with mobile payment now, banks, including enterprises, pay wages by putting money into employees' bank accounts. In the course of life, everyone is very concerned about a question: is the interest rate high?

Central bank reform 20 15. By August, 2065438+2009, major banks will determine the loan interest rate by raising the benchmark interest rate by a certain percentage and adding or subtracting the loan market interest rate. Later, under the change of the deposit market, banks launched a wider variety of deposit wealth management products. However, due to some new management rules, the central bank gradually lowered RRR and cut interest rates from 20 19, requiring banks to rectify unqualified deposit products within a time limit. At the beginning of 20021June, the central bank held a meeting to determine the deposit interest rate adjustment mechanism. This means that the deposit interest rate has been "newly adjusted", so if you deposit 6,543,800 yuan now, what is the annual interest rate?

Some changes have taken place before and after this adjustment. For example, a bank's three-year time deposit product has a deposit interest rate benchmark of 2.75% and an interest rate of 3.85%. After adjustment, the deposit interest rate is raised by 80 basis points on the basis of the three-year benchmark interest rate, which is 0.55%. There is no limit to the floating base point this time, and major banks can reduce or only increase according to their own energy. However, because the profits are now given to the development of the real economy, in such a big environment, the tone of those banks is the same, that is, the one-year deposit interest rate has dropped to a certain extent. In addition, the interest rate of large deposit certificates has dropped a lot.

For people, the higher the interest rate, the better "income" they can get in the process of saving money and managing money, which is also an important reason why people choose to keep their money in the bank. At present, China's world savings rate remains open in the world. According to relevant financial data, China's savings rate at the end of 2020 was 93.44 trillion yuan. By this year, in the first quarter, 100. 12 trillion, the per capita income was more than 70,000. According to the estimation of a family of three, the per capita deposit of Qi residents has exceeded 2 10/00000. At present, the deposit market is full of vitality, but the deposit interest rate is not so prosperous, which shows that the people have no strong will to the relevant adjustment methods.

The emergence of this kind of professional financial management knowledge is related to the way of thinking that you like to save money for a rainy day. So people are concerned about the level of savings, but then again, when people save money, the interest they get will be greatly reduced, which means they will earn a lot less. Speaking of which, someone wants to know. Now, taking a state-owned bank as an example, 6.5438+0 million yuan is deposited in the bank. The interest rate of three-year time deposit before adjustment was 3.85%, which was quite a lot. The adjusted interest rate is 3.35%. With the decrease of interest rate, the interest becomes 33,500 yuan, which means that depositors lose 5,000 yuan of interest every year, which is10.5 million yuan after three years.

On the other hand, 1 10,000 is not a small sum even in modern times, but large state-owned banks do not lack such depositors, while small banks are different. They were established late, and many people trust big banks more, so there are no big banks in "business" and there is a shortage of large deposit certificates. Therefore, if you have 1 10,000 in hand and want to get higher interest, you can choose a small bank and earn money. It is understood that if it is raised to 0.5 or 1%. Beyond this range, it is more difficult to continue to improve.

Now with the continuous development of the domestic economy, people's income is gradually increasing, and after daily expenses, they will try their best to ensure their lives. In the past, people kept their money at home, which was not very reliable. In order to prevent thieves, especially when going out, don't worry about the money at home. The emergence of banks has largely solved the troubles of the people and can provide higher security value for deposit financing. ; In addition, getting an interest from it is much more cost-effective than keeping it at home. But now through the adjustment of interest rates, the interest that ordinary people can get has also decreased, so the "lying income" of ordinary people is less. Nevertheless, for the above two purposes, people are still keen to keep money in the bank.

"、" force_purephv":"0 "、" gnid":"99a6e64cda8909 178 "、" img _ data ":[{ " flag ":" img ":[{"desc ":"、" height":"340 "、" title ":"、" URL ":"/ T 0 1960 EDA 2460 Fe 43 c 9. jpg ","width":"585"}, {"desc": ","height":"284 ","title "{"clk ":"economy _1:. {"clk": "k economy _ 1: Bank ","k ":"Bank ","u "Summary of deposit and savings interest rates over the years-:Extended information of deposit and savings interest rates over the years: The People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from 2065124, in which, in turn, One-year deposit benchmark interest rate ...

List of benchmark interest rates in recent 20 years: benchmark deposit interest rates of the People's Bank of China within six months (including six months), six months to one year (including one year), one year to three years (including three years), three years to five years (including five years) and more than five years1990-20165438+2068. ...

Annual interest rate of deposit: adjusted time, fixed term, 3 months, 6 months, 1 year, 2 years, 3 years, 5 years,1990.04.152.886.307.30088868786 ....

Annual interest rate table: adjustment time of benchmark interest rate of RMB deposits of financial institutions; Demand deposit; Time deposit; Three months; Six months; One year; Two years; Three years; Five years; 152.886.37.7438+00+08+0.56438.00000000605 164.326.488.649.36 10.08 1 1.52 199 1.04.2 1 1.83.245.47.567.928.289 1993.05 ....

China's interest rate in recent years-:According to the latest report, the central bank raised the deposit and loan interest rate of RMB today: unit:% Before the project adjustment, after the adjustment. 1. Deposit (1) Current deposit 0.720.72 (2) Time deposit for three months 1.80 1.98. Half a year 2.252.43. ....

Table of interest rates of bank deposits over the years-:annual interest rate of interest rate items (%) current 0.36 three-month term 1.7 1 semi-annual term 1.98 one-year term 2.25 two-year term 2.79.

What is the deposit interest rate from 2006 to 20 16? -:Current interest rate 1. Urban and rural residents and units deposits (1) current deposits 0.36 (2) time deposits 1. Three months 1.7 1 half a year 1.98 one year 2.25 two years 2.79 three years. Deposit, the interest for one year is 65,438+0.80, 2.25 for three years and 2.523 for five years. If you have a regular job, you can get a 60% discount on the interest rate of the same grade by lump-sum deposit and withdrawal within one year, with an agreed deposit of 1.44 and a call deposit of 0.8 1.35.

Benchmark interest rate of the central bank over the years: 20 12 On June 8, 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. 20 165438 On July 6, the People's Bank of China decided that as of July 6, ...

What is the interest rate of banks in recent years? Of course, the five-year fixed deposit rate is the highest. Project benchmark interest rate deposit demand deposit demand deposit 0.36 unit demand 0.36 overall social security demand 0.36 notice depositor 0.8 1 person for seven days 1.35 unit for one day 0.8 1 person for seven days 1.35 agreed deposit 1.65438. 3 months 1.7 16 months 1.98 1 year 2.252, 2.793, 3.335, 3.6 unit time deposits.

China 2000-20 10 interest rate table: the adjustment date of the deposit interest rate table of the People's Bank of China over the years; Current term: June 36 1, 2 years, 3 years, 5 years, 1999 . 06 . 100 . 99 1 . 982 . 5062 . 50656565666 . 7 1 1 . 8965 . 438+0 . 982 . 252 . 25252 . 55522 . 5552 . 5552 . 552 . 52 . 52 . 52 . 52 . 52 . 52 . 52 . 52 . 52 . 52 . 52 . 52 . 5 ...