The percentage of the bank loan interest rate is the annual interest rate. Divide the annual interest rate by 12, and the monthly interest rate by 30 is the daily interest rate. Can you understand?

2. What does a bank loan of 60bp mean? The basic unit of interest rate calculation.

Now that the house price is high, it is necessary to calculate the interest of bank loans, which involves interest rates and other issues. Among them, bp is a commonly used unit of calculation, and 60bp actually means 60 basis points.

Bank loan 60bpp is the abbreviation of basicpoint, which is called Basic Point in Chinese. It means that 60 basic points of some loans or bonds and some indexes or basic securities are equivalent to 0.6%.

One basis point is equivalent to 0.0 1%, which is one percent of 1%. The benchmark interest rate bp in LPR interest rate can be understood as the interest rate pricing is calculated according to LPR plus or minus points, which is counted as = LPR plus or minus points.

One will encounter it, and it can be negative when handling the mortgage. For example, the interest rate of LPR is 5.8 1%, which is 5bp higher, that is, 0.05% higher, so the real interest rate of mortgage is LPR (5.81%) 5 BP (0.05%) = 5.86%. The basis points given by different banks are different, but the LPR interest rate is the same.

However, now the national mortgage interest rate has been unified with the LPR interest rate. The interest rate of LPR is generally fixed within the agreed period. Hu's early debate

Therefore, it is the fluctuation of LPR interest rate that really determines the loan interest rate. If the LPR interest rate is raised; On the contrary, if the LPR interest rate falls, the loan interest rate will also fall. June 20, 2020 165438+ The quoted interest rate of the loan market announced by the central bank is 3.85% for one year.

From June 25th, the interest rate of ICBC's loan in Guangzhou was adjusted to 5.55%(LPR90BP) for the first set and 5.75% (LPR 90bp) for the second set. It is worth noting that the mortgage interest rate in Guangzhou was adjusted this time.

The above is about the floating interest rate and basic points of bank loans. Before making a loan, you must calculate your repayment interest with the help of the bank.

Third, the benchmark loan interest rate.

Lump sum deposit and lump sum withdrawal: three-month interest rate 1. 1%, semi-annual interest rate 1.3%, annual interest rate 1.5%, annual interest rate 2. 1% and annual interest rate 2.75%;

3. installment withdrawal, installment withdrawal and deposit withdrawal: the annual interest rate is 1. 10%, and the annual interest rate is1.30%;

4, fixed work is convenient: enjoy a one-time discount of 60% interest rate at the same level within one year;

5. Agreement deposit:1.15%;

6. Notice deposit: one-day interest rate is 0.8%, and seven-day interest rate is1.35%;

7. Individual housing provident fund deposit: 1.5% in the current year and 1.5% carried forward from the previous year.

2. Benchmark interest rates of various loans: within one year (including one year), 4.35% for one to five years (including five years), and 4.90% for five years and above.

3. Benchmark interest rate of individual housing provident fund loan: 2.75% for less than five years (including five years) and 3.25% for more than five years.

The above is the latest related content of benchmark interest rate 2022.

Is the benchmark interest rate the annual interest rate?

The benchmark interest rate refers to the annual interest rate. Both loans and deposits have benchmark interest rates, which are set by the People's Bank of China. Commercial banks will adjust the loan interest rates and deposit interest rates within the corresponding range according to the benchmark interest rates obtained by the People's Bank of China. Therefore, the benchmark interest rate has a strong reference significance, but the People's Bank of China will not adjust the benchmark interest rate frequently. After the benchmark interest rate is adjusted, the deposit and loan interest rates of commercial banks will also be adjusted accordingly. It can be seen that the adjustment of the benchmark interest rate will directly affect the daily life of users. The benchmark interest rate is an interest rate with extensive reference function in the financial system. Common ones are the benchmark interest rate for loans and the benchmark interest rate for deposits. However, the benchmark interest rate is only a reference interest rate, and the specific loan interest rate and deposit interest rate are determined by banks according to market conditions, so the specific interest rate and benchmark interest rate may be quite different.