Second, the relevant contents of the bank loan interest rate

1. Bank loan interest rate refers to the ratio of interest amount to principal amount during the loan period. The interest rate in China is managed by the People's Bank of China. The bank loan interest rate refers to the benchmark interest rate set by the People's Bank of China, and the actual contract interest rate can fluctuate within a certain range on the basis of the benchmark interest rate. The interest rate of loan contracts with banks and other financial institutions as lenders can only be determined through consultation within the upper and lower interest rate limits stipulated by the People's Bank of China. If the loan interest rate is high, the repayment amount of the borrower will increase after the loan term, otherwise it will decrease.

2. When applying for a loan, the borrower should make a correct judgment on his economic strength and repayment ability according to the real-time loan interest rate. Design a repayment plan according to your income level, leaving room appropriately, without affecting your normal life. Choose the appropriate repayment method. At present, there are basically two repayment methods: equal repayment and equal principal repayment. Once the repayment method is agreed in the contract, it shall not be changed during the whole loan period.

3. Bank loans generally have strict restrictions on the use of funds, or used for project construction (fixed loans), or used to supplement the working capital needed by enterprises for production and operation (current loans), or used for mergers and acquisitions of enterprises in the capital market (M&A loans), or used for personal consumption (personal consumption loans), or used for purchasing real estate (mortgage loans), and so on. According to the relevant regulations of CBRC, bank loans cannot be used to repay debt financing in the open market.

4. Because there are two main ways to adjust the interest rate in the loan contract: one is to adjust the interest rate immediately and calculate the monthly payment at the new interest rate in the month when the central bank announces the interest rate increase; Another is the interest rate adjustment in the following year. After the central bank announced the interest rate increase, it did not immediately recalculate the monthly contributions, but implemented the new interest rate from the second year. According to statistics, most homeowners with mortgages choose the latter interest adjustment method, that is to say, their monthly payment will not decrease before 20 13 1.