1, commercial loan. Within one year (including one year): the annual interest rate is 4.75%; One year to five years (including five years): the annual interest rate is 4.9%; More than five years: the annual interest rate is above 4.9%.

2. Provident fund loans. For less than five years (including five years), the annual interest rate is 2.75%; For more than five years, the annual interest rate is 3.25%.

At present, the benchmark interest rate for commercial loans with a loan term of more than 5 years is 4.90%. Due to the policy of restricting purchases and loans, local banks have different efforts to adjust the interest rate of the first home loan. According to the latest data from Bank Information Port, the average interest rate of the first suite in China is 5.38%, and the interest rate generally rises by 5%-20%. The interest rate of the second home loan generally rose 10%-30%. During the same period, the benchmark interest rate of provident fund loans was 3.25%, and the interest rate of second-home loans generally rose 10%. The second suite is defined as the second suite where the borrower's family (including the borrower, spouse and minor children) determines the mortgage times and has used provident fund loans or commercial loans to purchase houses.

Benchmark lending rate

China People's Bank loan benchmark interest rate: (1) Short-term loans: 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.

In order to deepen the interest rate marketization reform, improve the interest rate transmission efficiency and reduce the financing cost of the real economy, the People's Bank of China decided to reform and improve the formation mechanism of the quoted interest rate (LP) in the loan market. The relevant matters are hereby announced as follows:

1. Since August 20, 2065438+2009, the People's Bank of China has authorized the National Interbank Funding Center to announce the quoted interest rate of the loan market at 9: 30 on the 20th of each month (postponed in case of holidays), which can be inquired by the public on the websites of the National Interbank Funding Center and the People's Bank of China.

II. Loan Market Quotation Rate Quotation Banks should quote to the National Interbank Funding Center at the open market operating rate (mainly referring to the medium-term lending convenience rate) before 9: 00 on the 20th of each month (postponed in case of holidays). After removing the highest and lowest quotations, the National Interbank Funding Center calculates the quotation rate of the loan market through arithmetic average.

Third, in order to improve the representativeness of the loan market quotation rate, the types of quotation banks in the loan market quotation rate have increased from the original national banks to city commercial banks, rural commercial banks, foreign banks and private banks, and this time they have been expanded from 10 to 18, and will be evaluated and adjusted regularly in the future.

4. Expand the quoted interest rate of the loan market from the original one-phase variety 1 year to two-phase variety 1 year and more than five years. Loans with a term of 1 and a term of more than five years are priced with reference to the loan market quoted interest rate of the corresponding term, and the loan interest rates with a term of 1 and a term of 1 to five years are independently selected by the Bank.

Five, from now on, banks should mainly refer to the loan market quotation rate pricing in new loans, and adopt the loan market quotation rate as the pricing benchmark in the floating rate loan contract. The existing loan interest rate is still implemented according to the original contract. Banks may not set the implicit lower limit of loan interest rate pricing in any form through cooperative behavior.

Six, the People's Bank of China will guide the market interest rate pricing self-discipline mechanism to strengthen the supervision and management of the loan market quotation rate, evaluate the quotation quality of quotation banks, urge banks to use the loan market quotation rate pricing, and seriously deal with illegal acts that disrupt the market order such as setting the implicit lower limit of loan interest rate by banks. The People's Bank of China incorporated the application of the quoted interest rate in the loan market and the competitive behavior of the loan interest rate into the macro-prudential assessment (MPA).

Legal basis:

According to Article 26 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases, if the lender requests the borrower to pay interest at the interest rate agreed in the contract, the people shall support it, except that the interest rate agreed by both parties exceeds four times the one-year loan market listing rate when the contract is established.

What's the loan interest rate now?

How much is the interest on the bank loan?

At present, the bank loan interest rate is determined according to the fluctuation of the benchmark loan interest rate stipulated by the People's Bank of China. Different banks and products will have different interest rates.

At present, our loan interest rate is as follows: 4.85% for loans within 6 months (including 6 months).

Loans from six months to one year (including 1 year) 4.85%

Loans for one to three years (including three years) 5.25%

3 to 5 years (including 5 years) loan 5.25%

Loans with a term of more than five years are 5.40%. After the promulgation of Article 5, branches can further increase the down payment ratio and interest rate of the second home loan in cities where house prices are rising too fast according to the real estate control objectives and policy requirements of the local people's government. At present, all localities are studying and formulating relevant implementation rules, which can be implemented after being formulated and reported to the head office of the People's Bank of China for approval. Consistent with previous market expectations, in some cities where house prices have risen too fast, the down payment for second-home mortgage may be raised to 70%, and the interest rate may be raised to 1.3 times.

According to the relevant provisions of the state:

1. All localities continue to track and monitor the issuance of individual housing loans, and pay close attention to the interest rate and down payment ratio of the first home loan and the implementation of the housing loan policy for non-local residents.

2. Financial institutions should strictly implement the differentiated housing credit policy, optimize the interest rate structure, and set reasonable prices to meet the loan demand of households for purchasing self-occupied ordinary commodity housing for the first time. According to industry insiders, it is unlikely that the credit policy of the first home will change, and it will still be implemented according to the preferential interest rate of 30% down payment and a minimum of 8.5%. Therefore, the first home buyers need not worry too much about the adjustment of the credit policy.

3. Support the reasonable credit demand of small and medium-sized ordinary commodity housing projects and government land purchasing and storage institutions, and promote the increase of effective market supply.

4. In the future, we should strengthen window guidance, guide banking financial institutions to continue to support the reasonable credit demand of government land reserve institutions and real estate development enterprises on the basis of preventing risks, pay attention to the capital situation of real estate enterprises and its impact on loan quality, and continue to track the changes in real estate financing structure and the trend of foreign capital inflow.

5. It is necessary to improve the financial service level of affordable housing projects, urge banking financial institutions to issue loans to eligible affordable housing projects in a timely manner on the basis of strengthening management and preventing risks, and support eligible enterprises to issue medium-term notes and other bond financing tools in the inter-bank bond market, which will be used exclusively for the construction of affordable housing projects.

What is the benchmark interest rate for one to five-year loans announced by the central bank at present?

At present, the benchmark interest rate for one-to five-year loans announced by the central bank is 4.75%.

At present, the benchmark annual interest rate of loans announced by the central bank is 0-6 months (including 6 months), and the annual interest rate is 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%. More than 5 years, annual interest rate: 4.90%.

The annual interest rate refers to the deposit interest rate for one year. The so-called interest rate is the abbreviation of "interest rate", which refers to the ratio of interest amount to deposit principal or loan principal in a certain period of time.