20 14 the loan interest rate of rural commercial bank in Jiaocheng county, Shanxi province is 4.35%, and the annual interest rate of loans over five years is 4.9%.
20 14 benchmark mortgage interest rate
Short-term loans: loans less than or equal to one year with an annual interest rate of 5.60%. Medium-and long-term loans: loans with an annual interest rate of 6.00% for more than one year and less than five years; For loans over five years, the annual interest rate is 6. 15%. Personal housing provident fund loans: loans for less than five years, with an annual interest rate of 3.75%; For loans of more than five years, the annual interest rate is 4.25%.
The benchmark mortgage interest rate is 20 19, and short-term loans: loans less than or equal to one year, with an annual interest rate of 4.35%. Medium-and long-term loans: loans with an annual interest rate of 4.75% for more than one year and less than five years; For loans with a term of more than five years, the annual interest rate is 4.90%. Personal housing provident fund loans: loans for less than five years, with an annual interest rate of 2.75%; For loans of more than five years, the annual interest rate is 3.25%.
The benchmark interest rate of 20 19 mortgage is extended from the benchmark interest rate announced by the People's Bank of China on October 24th. The benchmark interest rate announced by the People's Bank of China on October 20 1 14 10 is much higher than that in 20 19.
Commercial loan: the benchmark interest rate in 20 14 years is higher than that in 20 19 years1.25%; Personal housing provident fund loan: the benchmark interest rate in 20 14 years is higher than that in 20 19 years 1%.
The People's Bank of China released the benchmark interest rate 1 time only on 20 1654381October 20th, and the People's Bank of China released the benchmark interest rate five times in 20 15.
I paid off the house loan of 550,000 yuan in 20 years from 2065438 to 2004, and now I still pay 382 1 yuan every month. How is this interest rate calculated?
It is estimated that you will repay the loan according to the equal principal and interest, with a principal of 550,000 yuan and a term of 20 years. The monthly repayment is 382 1 yuan. Calculated, the loan interest rate is only 5.62%. This is a very low loan interest rate. Even if you borrow money from a bank, it is not easy to get this interest rate! The calculation table is as follows:
20 14 mortgage benchmark interest rate?
The benchmark interest rate of mortgage loan refers to the benchmark interest rate for deposits and loans of national specialized banks or other financial institutions set by the People's Bank of China.
The benchmark interest rate of 20 14 mortgage is the commercial loan interest rate or the provident fund loan interest rate. Different loan methods and loan interest rates for different periods are different. 20 14 due to the serious inventory in the property market, house prices gradually entered a consolidation period. At that time, nearly 40% banks in China raised the mortgage interest rate on the benchmark interest rate of the central bank.
In 20 14, the central bank lowered the loan interest rate of 12:
1 .6,2065438+1 0/~ 1 0.21benchmark interest rate of central bank mortgage commercial loan:1year (inclusive) 5.6%.
In the same period, the benchmark interest rate of provident fund mortgage is 3.75% within 5 years (including 5 years) and 4.25% for more than 5 years.
2.20 1165438+/October 22 ~ 65438+February 3 1 loan interest rate 6 months ~ 1 year (inclusive),/kloc-