Stock floating rate loans refer to the benchmark interest rate of loans that have been issued, signed but not issued by financial institutions before 2020 1.

3. What is a stock floating rate loan?

Stock floating rate loan is a loan in which the interest rate fluctuates with the change of the selected basic interest rate on the basis of the selected market interest rate and a certain proportion determined by the bank during the loan period at a predetermined time interval.

As the base interest rate, it can be the rediscount rate of the central bank, the treasury bill rate, the interbank offered rate, the subordinated negotiable deposit certificate rate or other financial market interest rates. 198165438+1October 24th, the People's Bank of China allowed the interest rate of working capital loans to fluctuate by 20%; 1988 The floating range is expanded to 30%, including fixed-fund loans. However, the basic interest rate of floating interest rate in China is the benchmark interest rate determined by the financial authorities, not the market interest rate.

Extended data:

The more developed countries, the lower the benchmark interest rate, and the benchmark interest rate reflects a country's macro-economy. At present, the benchmark lending rate in China is 4.9%. With the supply-side reform, China's benchmark interest rate will be lowered, but not immediately to 2.5%. China is a developing country now and for a long time to come, and needs medium-high speed development. Interest rate actually reflects comprehensive rate of return, so interest rate will not drop sharply in the economic cycle of medium-high speed development. In other words, China's benchmark interest rate will be lowered, but not too much.

4. What is stock mortgage?

Stock mortgage refers to the housing loan handled before the introduction of the new policy, and incremental mortgage refers to the housing loan newly handled after the introduction of the new policy.