In 20 12, the People's Bank of China adjusted the benchmark interest rate twice, on June 8, 20 12 and July 6, 20 12 respectively. On June 8, 20 12, the adjusted commercial loan interest rate is 5.85% within six months, 6.3 1% from six months to one year, 6.40% from one year to three years, 6.65% from three years to five years, and 6.80% for more than five years; Personal housing provident fund loans are 4.20% for less than 5 years and 4.70% for more than 5 years.

On July 6, 20 12, the adjusted commercial loan interest rate is 5.60% within six months, 6.00% from six months to one year, 6. 15% from one year to three years, 6.40% from three years to five years, and 6.55% for more than five years; Personal housing provident fund loans are 4.00% for less than 5 years and 4.50% for more than 5 years.

20 12, the loan interest rate is still relatively high. The benchmark interest rate of commercial loans for 20 19 years is 4.35% within one year (including one year), 4.75% for one to five years (including five years) and 4.90% for more than five years. The benchmark interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and it is 3.25% for more than five years.

If users can get preferential interest rates when borrowing money, they can save a lot of interest when applying for loans. When handling a loan, the borrower needs to have paid the down payment, signed a house purchase contract, and at the same time, the borrower's credit information must be good before he can borrow from the bank, which users need to pay attention to.