In 1 and 20 15 years, the People's Bank of China adjusted the benchmark interest rate for five times, and the adjustment time was 20 15.3. 1 2015.5.1and respectively. The loan interest rate is as follows:
2.20151October 24th The interest rate of individual housing provident fund loans is adjusted as follows:
(1) loan term: less than five years (including five years), and the annual interest rate of the project (%):2.75.
(2) Loan term: more than five years, and project annual interest rate (%):3.25.
Extended data:
The adjustment of interest rate floating range is an important link in the reform of interest rate marketization. The central bank has been cautious in implementing this measure. For many years, we have been implementing the policy that the deposit interest rate cannot rise or fall temporarily, and the loan interest rate can fall from 65,438+00% to 70% on the basis of the benchmark interest rate.
However, since June 8, 20 12, this policy began to change. The People's Bank of China allowed commercial banks to raise the deposit interest rate to 10% of the benchmark interest rate, and the pace of interest rate marketization began to accelerate gradually.
Previous adjustment
1. The People's Bank of China has decided that as of June 8, 20 12:
(1) Adjust the upper limit of the floating range of deposit interest rate of financial institutions to 1. 1 multiple of the benchmark interest rate;
(2) Adjust the lower limit of the floating range of the loan interest rate of financial institutions to 0.8 times of the benchmark interest rate.
2. The People's Bank of China decided to adjust the lower limit of the floating range of the loan interest rate of financial institutions to 0.7 times of the benchmark interest rate from July 6, 20 12. The floating range of individual housing loan interest rates will not be adjusted, and financial institutions should continue to strictly implement differentiated housing credit policies and continue to curb speculative investment in housing purchases.
References:
Baidu encyclopedia-loan interest rate
What is the loan interest rate of 20 15?
20 15 is the benchmark interest rate adjusted according to 20 12 on July 6th. Types and annual interest rates are as follows:
1 .6% of short-term loans for less than six months (inclusive).
6% for half a year to one year (inclusive).
3. One to three years (inclusive) 6. 15%.
4. 3 to 5 years (inclusive) 6.4%.
5. More than five years, 6.55%.
In addition, the loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different loan banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis of the benchmark interest rate.
Loan interest rate:
1. Loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when granting loans. There are roughly three categories: the loan interest rate of the central bank to commercial banks; The loan interest rate of commercial banks to customers; Interbank lending rate
2. The determinants of bank loan interest are: bank cost. Any economic activity needs cost-benefit comparison. There are two types of bank costs: borrowing costs-prepaid interest on borrowed funds; Additional cost-the cost of normal business. Average profit rate. Interest is the subdivision of profit, which must be less than the profit rate, and the average profit rate is the highest limit of interest. Supply and demand of loan funds. If the supply exceeds the demand, the loan interest rate will inevitably fall, and vice versa.
3. The loan interest rate must also consider price changes, securities income and political factors. However, some scholars believe that the highest limit of interest rate should be the marginal rate of return of funds. The factor that restricts the interest rate is the comparison between the profit growth rate after the enterprise borrows from the bank and the loan interest rate. As long as the former is not lower than the latter, enterprises may borrow money from banks.
References:
Baidu encyclopedia-loan interest rate
What is the bank loan interest rate for 20 15 years?
The loan interest rate for one to three years (including three years) is 4.75%, and the loan interest rate for five years or more is 4.9%.
Loan means that banks, credit cooperatives and other institutions lend funds to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of expanding social reproduction and promoting economic development.