The latest benchmark interest rate of China People's Bank loan: 1, short-term loan: 4.35% within six months (including six months) and 4.35% from six months to one year (including one year);
2. Medium and long-term loans: 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.90% for more than five years;
3. Personal housing provident fund loans: 2.75% for less than five years (including five years) and 3.25% for more than five years.
20 17 what is the benchmark interest rate of China people's bank loan?
20 17 what is the benchmark interest rate of China people's bank loan?
At present, PBOC has announced the benchmark annual interest rate of loans: 0-6 months (including 6 months), with an annual interest rate of 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; 5-30 years (including 30 years), with an annual interest rate of 4.90%;
If you apply for a loan through our bank, the loan interest rate needs to be comprehensively priced in combination with the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets.
Project annual interest rate%
I. Short-term loans
Within one year (including one year) 4.35
Second, medium and long-term loans
One to five years (including five years) 4.75
More than five years 4.90
Three. The annual interest rate of individual housing provident fund loans is%.
Under five years old (inclusive) 2.75
More than five years 3.25
In view of 20 16, the central bank did not introduce interest rate cuts and RRR policies throughout the year. At the beginning of the new year, the benchmark interest rate of central bank loans is still as shown in the following table:
List of benchmark loan interest rates of China People's Bank in 20 17:
Loan interest rate percentage within 6 months (%)4.356 months-1 year 4.35 1 year to 3 years 4.753 to 5 years 4.755 years or more 4.90 personal housing provident fund loan interest rate percentage (%)5 years or less 2.755 years or more 3.25 years or more.
The benchmark interest rate of 20 17 loan is the same as last year, and everyone can repay as usual. 20 17 whether the central bank will introduce new policies, we will wait and see.
Please check the benchmark interest rate of commercial loans of China Bank on the home page of China Bank official website Financial Information Deposit and Loan Interest Rate (China Bank). /FIMarkets/LiLV/FD32/20 15 10/t 20 15 1023 _ 5824975。 ).
Since 20 12, the interest rate was cut for the first time on 20165438+1October 22nd. In 20 15, interest rates were lowered three times, namely 2015/6/282015/31and 2065438+February 2, 2005.
The annual benchmark interest rate is 4.35%.
From a practical point of view, the basic conditions for loans are:
First, Chinese mainland residents, under the age of 60;
Second, it has a stable address and work or business premises;
Third, there is a stable source of income;
Fourth, there is no bad credit record, and loans cannot be used for stock trading and gambling;
Fifth, have full capacity for civil conduct.
20 14 what is the benchmark interest rate of China people's bank loan?
Loan interest rate (1) The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different lending 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. The current benchmark interest rate was adjusted and implemented on July 7, 20 1 1 year. Types and annual interest rates are as follows: ① Six-month (inclusive) short-term loan 6.10%; ② 6.56% from half a year to one year (inclusive); ③ One to three years (inclusive) 6.65%; ④ Three to five years (inclusive) 6.90%; ⑤ More than five years and 7.05%. (2) Take mortgage as an example: comprehensively evaluate the bank loan interest rate according to the credit status of the loan, and determine the loan interest rate level according to the credit status, collateral and national policy (whether it is the first suite or not). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is 1 of the benchmark interest rate. Since February 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. At the beginning of April, large state-owned banks began to implement preferential interest rates for the first home loan. The interest rate discount of some banks can be up to 15%. The interest rate after 15% discount for more than five years is 7.05%0.85=5.9925%.
The latest loan interest rate is:
The loan for more than five years is 6.15%;
The interest rate is 6.0% for less than five years and more than one year;
The loan interest rate for less than one year is 5.6%.
The People's Bank of China does not lend from the Central Bank. After adjustment, the annual interest rate of general commercial banks is 6. 15%, and the annual interest rate of provident fund is 4.25%.
The benchmark interest rate of China People's Bank for 20 14 years is shown in the following table:
All loan units:
Six months 5.60%
6% a year
One to three years 6. 15%
Three to five years 6.40%
More than five years, 6.55%
What is the benchmark interest rate of China People's Bank loan in 2022?
According to the announcement of the central bank:
China people's bank loan benchmark interest rate:
(1) Short-term loan: within one year (including one year), and the adjusted interest rate is 4.35.
(2) Medium and long-term loans: the adjusted interest rate is 4.75 for one to five years (including five years); The adjusted interest rate for more than five years is 4.90.
(3) Personal housing provident fund loan: the adjusted interest rate is 2.75 for less than five years (including five years); The adjusted interest rate for more than five years is 3.25.
Article 38 A commercial bank shall determine the loan interest rate according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China.
If the term of individual housing loan is within 1 year (including 1 year), the contract interest rate will be implemented, and interest will not be calculated by stages if the legal interest rate is adjusted; If the loan term exceeds 1 year, if the legal interest rate is adjusted, the new interest rate regulations will be implemented at the beginning of next year according to the corresponding interest rate grades.
Extended data:
Bank loan terms:
The basic conditions for bank loans are: the applicant 18 years old, and the upper limit of the loan age is generally 55 years old or 60 years old; The applicant has a stable income and can repay the loan principal and interest on time; The applicant's credit report is good and there is no bad credit record in the credit report. Meet the above basic conditions, users can apply for bank credit loans. To apply for other types of loans, you need to meet some specific conditions.
For example, mortgage loans need collateral, secured loans need guarantors, and loan users need to have fixed business premises.
How to get a loan from a bank:
Users can apply for loans directly at the bank counter or through online channels. To apply for a bank loan offline, I need to bring my ID card and related application materials, fill in the loan application form at the bank, and then submit the form, ID card and application materials to the bank for review. Applying for bank loans with online loans is generally to apply for credit loans, which can be submitted as long as there is a quota.
After the offline loan is approved, the user needs to sign a loan contract at the offline branch of the bank. After the online loan is passed, the bank will sign an electronic loan contract with the user, and the user does not need to sign a loan contract offline. Although they are all bank loans, the amount of offline loans is higher than online loans.
Users who want to apply for large loans are more suitable to apply for offline loans from banks. To apply for a small loan, or to use money urgently, you can try to apply for a bank online loan. In addition to the different loan quotas, the speed of the two types of loans is also different, and the speed of online lending is faster than offline.
The introduction of PBOC loan benchmark ends here.