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 for similar loans in 20 17 years?
In 20 17, the benchmark annual interest rate of commercial loans announced by the People's Bank of China is 0-6 months (including 6 months), and the annual interest rate of loans is 4.35%; 6 months-1 year (inclusive), and the annual interest rate of the loan is 4.35%; . 1-5 years (inclusive), and the annual interest rate of the loan is 4.75%. 5-30 years (including 30 years), the annual interest rate of the loan is 4.90%. The annual interest rate of individual housing provident fund loans is: 0.5 years or less (including 5 years), and the annual interest rate of loans is 2.75%; The annual interest rate of loans for more than 5 years is 3.25%.
I. Loan interest rate and interest
The General Rules for Loans stipulates that:
(1) Determination of loan interest rate: The lender determines the interest rate of each loan according to the upper and lower limits of loan interest rate stipulated by the People's Bank of China, and specifies it in the loan contract;
(II) Collection of loan interest: Lenders and borrowers shall collect or pay interest on schedule in accordance with the loan contract and relevant interest-bearing provisions of the People's Bank of China. When the loan extension period plus the original term reaches the new interest rate grade, it will be charged at the new term grade interest rate from the date of extension. Penalty interest is charged for overdue loans according to regulations.
(3) Loan interest subsidy: According to the national policy, in order to promote the economic development of certain industries and regions, the relevant departments may subsidize the loan interest. Loans subsidized by relevant departments shall be independently examined and issued by the undertaking bank, and strictly managed in accordance with the relevant provisions of the General Rules for Loans.
(4) Stop, interest and interest loan: Except as stipulated by the State Council, no unit or individual has the right to decide to stop, interest and interest. The Lender shall, according to the decision of the State Council, specifically handle the cessation, interest reduction and interest-free according to the scope of duties and authority.
Second, the calculation method of loan interest
(1) The interest rate conversion formula for RMB business is (note: common for deposits and loans):
1. daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷30.
2. Monthly interest rate (‰) = annual interest rate (%)÷ 12
(two) banks can use the product interest method and the transaction interest method to calculate interest.
1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is:
Interest = cumulative interest-bearing product × daily interest rate, where cumulative interest-bearing product = total daily balance.
2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:
If the interest-bearing period is a whole year (month), the interest-bearing formula is:
① Interest = principal × year (month )× year (month) interest rate
If the interest-bearing period is a whole year (month) and days, the interest-bearing formula is:
② Interest = principal × year (month) × year (month) interest rate principal × odd days × daily interest rate.
At the same time, banks can choose to convert all interest-bearing periods into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is as follows:
③ Interest = principal × actual days × daily interest rate
What is the loan interest rate of 20 17?
In 20 17, the benchmark loan interest rate announced by the People's Bank of China was 4.35% from June to June (inclusive), 4.35% from June to 1 (inclusive) and 4.75% from June to 1-5 (inclusive).
The benchmark interest rate for deposits and loans is the guiding interest rate for loans issued by the central bank (People's Bank of China) to commercial banks, and it is one of the monetary policies used by the central bank to regulate the operation of social economy and financial system.
Commercial banks will formulate loan interest rate portfolios on the basis of this benchmark interest rate. Raising the benchmark interest rate means shrinking credit, reducing social mobility, raising the cost of credit and slowing down economic development. or vice versa, Dallas to the auditorium
According to official website, People's Bank of China, since 20 15, 10/24, the current interest rate of RMB has been adjusted as follows: within one year (including one year), 4.75% for one to five years (including five years) and 4.90% for more than five years.
On August 25th, 20 15, the People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from August 26th, 20 15, so as to further reduce the financing costs of enterprises. Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.6%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to1.75%; The benchmark interest rates for loans and deposits of other grades and the deposit and loan interest rates for individual housing provident fund shall be adjusted accordingly. At the same time, the floating upper limit of interest rates for time deposits of more than one year (excluding one year) will be liberalized, while the floating upper limit of interest rates for demand deposits and time deposits of less than one year will remain unchanged. From 2065438 to September 6, 2005, the RMB deposit reserve ratio of financial institutions will be lowered by 0.5 percentage point, so as to keep liquidity in the banking system reasonably abundant and guide the steady and moderate growth of money and credit. At the same time, in order to further enhance the ability of financial institutions to support "agriculture, rural areas and farmers" and small and micro enterprises, the reserve ratio of rural financial institutions such as county-level rural commercial banks, rural cooperative banks, rural credit cooperatives and village banks was lowered by 0.5 percentage points. Reduce the reserve ratio of financial leasing companies and auto financing companies by 3 percentage points and encourage them to play a good role in expanding consumption.
On June 27th, 20 15, the People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from June 28th, 20 15, so as to further reduce the financing costs of enterprises. Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.85%; The benchmark interest rate for one-year deposits is lowered by 0.25 percentage points to 2%; The benchmark interest rates for loans and deposits of other grades and the deposit and loan interest rates for individual housing provident fund shall be adjusted accordingly.
On February 28th, 20 15, the People's Bank of China announced that the benchmark interest rates for RMB loans and deposits of financial institutions would be lowered from March 28th, 20 15 to March 28th, 20 15. The central bank decided to cut the benchmark interest rate for one-year loans of financial institutions by 0.25 percentage points to 5.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to 2.5%. At the same time, combined with the interest rate marketization reform, the upper limit of the floating range of deposit interest rate of financial institutions is adjusted from 1.2 times of the benchmark deposit interest rate to 1.3 times; The benchmark deposit and loan interest rates of other grades and the deposit and loan interest rates of individual housing provident fund are adjusted accordingly.
201165438+1On October 22nd, the People's Bank of China decided to lower the benchmark interest rate of RMB deposits and loans of financial institutions from 20165438+1October 22nd. Financial institutions will be reduced by 0.00 percentage point within 6 months (including 6 months), by 0.40 percentage point from 6 months to 1 year (including 1 year), and by 0. 1 5 percentage point from1to 3 years (including 5 years). Housing provident fund deposit and loan interest rates will also be lowered simultaneously.
On June 8, 20 12, the people's bank of China decided to lower the benchmark interest rate of RMB deposits and loans of financial institutions from June 8, 20 12. The benchmark interest rates of one-year deposits and loans of financial institutions were lowered by 0.25 percentage points respectively, and the deposit and loan interest rates of housing provident fund were also lowered simultaneously.
What is the interest rate of 20 17 bank loan?
Please log in to China Bank official website (), click Financial Data-Deposit/Loan Interest Rate on the right side of the home page, and select historical data of loan interest rate according to currency to query.
The above contents are for your reference. Please refer to the actual business regulations.
This concludes the introduction of 20 17 bank credit loan interest rate and 20 17 bank loan benchmark interest rate. I wonder if you have found the information you need?