1. What is the interest rate of bank loans in the same period?

The current bank loan interest rate is the interest rate implemented in the current year. At present, the interest rates announced by the People's Bank of China for the same period are as follows: 1. Commercial loan: 65,438+0, the loan term is within one year (including one year), and the interest rate is 4.35%; 2. The loan term is one to five years (including five years) and the interest rate is 4.75%; 3. The loan term is more than five years, and the interest rate is 4.90%.

2. Provident fund loan: 1, the loan term is less than five years (including five years), and the interest rate is 2.75%; 2. The loan term is more than five years and the interest rate is 3.25%.

Major commercial banks will float the above benchmark interest rate, and the specific floating ratio will be determined according to the borrower's qualification, loan type and other factors.

After the borrower knows the loan interest rate, loan term and loan amount, he can use the formula "interest = loan principal loan interest rate loan term" to calculate interest.

: 1. The interest rate of bank loans is the ratio of the interest amount to the average loan occupation in a certain period, which is called interest rate for short.

Its calculation formula is: usually expressed as monthly interest rate and annual interest rate. The relationship between monthly interest rate and annual interest rate is: monthly interest rate × 12= annual interest rate ÷ 12= monthly interest rate.

The relationship between interest and interest rate is: interest = interest rate × principal. If the money is compound interest, then: interest = principal, interest-principal. Where: principal and interest = principal ×( 1 interest rate) term; Or: interest = principal ×.

2. The benchmark interest rate of housing mortgage refers to the unified benchmark interest rate of housing mortgage announced by the People's Bank of China, that is, the highest interest rate of housing mortgage.

When the bank loan interest rate is unstable and fluctuating, the bank can take the benchmark interest rate of housing mortgage loan as the highest current interest rate of bank mortgage loan and lower it by 65,438+00% and implement it.

According to the regulations of the People's Bank of China, the mortgage interest rate of individual housing of commercial banks can be lowered by 15%, but it must be the first self-occupied housing or the first housing loan has been settled.

3. The loan interest rate involves finance and credit. Raising the loan interest rate and expanding the deposit-loan spread will increase the bank's profit, reduce the enterprise's profit and reduce the fiscal revenue; On the contrary, lowering the loan interest rate and reducing the deposit-loan spread will reduce the profits of banks and increase the profits of enterprises, thus increasing fiscal revenue.

The upper limit of loan interest rate is a maximum set by the People's Bank of China, the national financial authority, for the specific implementation standards of loan processing limit and loan ceiling.

Benchmark lending rate

The benchmark interest rate of Wangxin loan announced by the People's Bank of China is: 4.35% for loans within one year (including one year), 4.75% for loans from one to five years (including five years) and 4.9% for loans over five years. The benchmark interest rate of provident fund loans is 2.75% for loans with less than five years (including damaged oranges) and 3.25% for loans with more than five years.

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The difference between the benchmark loan interest rate and the best loan interest rate.

1, different in nature: the preferential loan interest rate is the loan interest rate executed by commercial banks for their best customers, and other loan interest rates can be generated by adding or subtracting points on this basis. The benchmark deposit and loan interest rate is the loan guidance interest rate issued by the central bank to commercial banks.

2. Different policies: The centralized quotation and release mechanism of preferential loan interest rate is that on the basis of the quotation bank's independent quotation of its preferential loan interest rate, the publisher is designated to calculate the quotation by weighted average, and the average quotation rate of the quotation bank in the preferential loan interest rate is formed and announced to the public. The benchmark loan interest rate is one of the monetary policies used by the central bank to regulate the operation of social economy and financial system.

3. Different advantages: the preferential loan interest rate can effectively reflect the supply and demand of funds in the whole market. Benchmark interest rate of loans Raising benchmark interest rate means that credit will shrink and social mobility will decrease.

Extended data:

Description of housing loan interest rate:

When the borrower applies for a loan, he should make an accurate judgment on the repayment ability, design a repayment plan according to the income level, determine the repayment period, and leave room appropriately, so as not to let the mortgage become a burden in his normal life.

You need to choose a suitable repayment method. Known repayment methods include equal repayment method and equal principal repayment method. These two methods are different. If it is confirmed, it cannot be changed, which needs careful consideration. Repayment on time every month will avoid penalty interest and affect credit value.

Don't delay the loan due to negligence or other reasons, which will hinder the next loan application. Take good care of contracts and IOUs, read the terms carefully, and understand the rights and obligations.