In case of interest rate adjustment by the People's Bank of China, the adjustment rules for personal commercial loans handled by China Bank are as follows:

If the loan is a floating rate loan and linked to the benchmark interest rate announced by the People's Bank of China, when the benchmark interest rate of the People's Bank of China is adjusted, there are two ways to adjust the loan interest rate. ?

First, since the actual lending date, it will be re-priced every floating period agreed in the contract, and the re-pricing date will be the first day of the next floating period. There are many types of floating cycle spans, and the loan contract shall prevail.

Second, re-price once every June 65438+ 10/,that is, the interest rate adjustment date of your loan is June 65438+1 0/every year after the loan is issued. If the benchmark interest rate of the People's Bank of China is adjusted in the previous floating period, the customer loan interest rate will be calculated in the floating period according to the new benchmark interest rate of the People's Bank of China and the interest rate floating ratio or the addition and subtraction points agreed in this contract from the interest rate adjustment date.

Whether the floating methods of the above two kinds of customer loans are linked to the benchmark interest rate of the People's Bank of China, the floating ratio of interest rates, the addition and subtraction points and the floating term span shall be subject to the specific agreement in the loan contract. Note: Due to the different requirements of provident fund management centers in different regions, the adjustment method of individual housing provident fund loan interest rate should be based on the signed provident fund loan contract, or consult the provident fund loan business outlets.

Extended data:

Housing loans mainly include the following:

1. Housing provident fund loan: For residents who have already paid the housing provident fund, low-interest housing provident fund loans should be the first choice when buying a house.

Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period. In other words, there is a spread between the mortgage interest rate of the housing provident fund and the bank deposit interest rate. At the same time, when handling mortgage and insurance related procedures, the housing provident fund loan will be charged by half.

2. Personal housing commercial loans: The above two loan methods are limited to employees who have paid the housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing secured loans from commercial banks, that is, bank mortgage loans.

As long as your balance in the loan bank accounts for not less than 30% of the funds needed for house purchase, and it is used as the down payment, and the assets recognized by the loan bank are used as collateral or pledge, or the units or individuals with sufficient compensation ability are used as guarantors to repay the loan principal and interest and bear joint liability, then you can apply for using the bank mortgage loan.

3. Individual housing portfolio loans: The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of the bank. The interest rate of portfolio loan is moderate, and the loan amount is large, which is more for the lender to choose.

Baidu encyclopedia-mortgage interest rate