The annual interest rate of Bank of Ningbo 15% is a bit high.

The interest rate of 15% is a little high in banks, but it is also within the loan interest rate range of banks. The interest rate of mortgage is not comparable, because it is unique, so we refer to credit consumption loans. At present, the interest rate of credit consumption loans of commercial banks is generally between 7%- 12%. Individual high-quality personnel can get an interest rate of about 5%, but their qualifications are poor.

2. What is the mortgage interest rate in Bank of Ningbo?

The mortgage interest rate in Bank of Ningbo is based on the benchmark loan interest rate announced by the central bank, and it is implemented according to a certain proportion. The specific interest rate is based on the loan interest rate at the time of actual application.

The latest benchmark interest rates for central bank loans are as follows:

1. Short-term commercial loan: within 1 year (inclusive), with an annual interest rate of 4.35%.

2. Medium and long-term commercial loans: 1 to 5 years (including 5 years), with an annual interest rate of 4.75%; For more than 5 years, the annual interest rate is 4.9%.

3. Personal housing provident fund loan: less than 5 years (including 5 years), with an annual interest rate of 2.75%; For more than 5 years, the annual interest rate is 3.25%.

3. What is the latest mortgage interest rate in Ningbo?

If you apply for a loan at China Merchants Bank, after PBOC adjusts the loan interest rate, the bank will adjust it according to the loan interest rate adjustment method agreed when you apply for a loan. At present, the commonly used interest rate adjustment methods are periodic adjustment and fixed-day adjustment.

The next adjustment method is that when a new interest rate appears, interest will still be calculated at the original interest rate in the current period. Starting from the next installment, the system will adjust the interest rate and recalculate the installment repayment amount, that is, the new interest rate will take effect in the next installment;

Fixed-day adjustment method, 65438+ 10 month 1 day is adjusted uniformly according to the listing interest rate of the day. The part before 65438+ 10 1 still uses the old interest rate. After 65438+ 10/month 1, the new interest rate shall be implemented and the installment repayment amount shall be recalculated.

If you don't know your own interest rate adjustment method, please dial 95555 at 8:30- 18:00, and select 3-person customer service-3-9 to enter the manual service inquiry.

4. What is the mortgage interest rate in Bank of Ningbo?

1. Bank of Ningbo commercial loan interest rate: the annual interest rate of commercial loans is 4.35% within one year, 4.75% within one to five years, and 4.90% for commercial loans over five years.

2. Bank of Ningbo provident fund loan interest rate: the annual interest rate of provident fund loans for less than five years is 2.75%, and the annual interest rate of provident fund loans for more than five years is 3.25%.

Tip: if it is a second suite, the interest rate will fluctuate compared with the above interest rate. Please call Bank of Ningbo 95574 for details.