Please log on to the official website of Bank of China (), click Financial Data-Deposit/Loan Interest Rate on the right side of the homepage, and select historical data of loan interest rate by currency for query.

The above contents are for your reference. Please refer to the actual business regulations.

Benchmark interest rate table of loans for each year

The adjustment time is within half a year, half a year to one year to three years, three years to five years, and more than five years.

20 15. 10.24 4.35% 4.35% 4.75% 4.75% 4.90%

20 15.08.26 4.60% 4.60% 5.00% 5.00% 5. 15%

20 15.06.28 4.85% 4.85% 5.25% 5.25% 5.40%

20 15.05. 1 1 5. 10% 5. 10% 5.50% 5.50% 5.65%

20 15.03.0 1 5.35% 5.35% 5.75% 5.75% 5.90%

20 14. 1 1.22 5.60% 5.60% 6.00% 6.00% 6. 15%

20 12.7.6 5.60% 6% 6. 15% 6.40% 6.55%

20 12.6.8 5.85 6.3 1 6.4 6.65 6.8

20 1 1.7.7 6. 1 6.56 6.65 6.9 7.05

20 1 1.4.6 5.85 6.3 1 6.4 6.65 6.8

20 1 1.02.09 5.6 6.06 6. 1 6.45 6.6

20 10. 12.26 5.35 5.8 1 5.85 6.22 6.4

20 10. 10.20 5. 1 5.56 5.6 5.96 6. 14

2008. 12.23 4.86 5.3 1 5.4 5.76 5.94

2008. 1 1.27 5.04 5.58 5.67 5.94 6. 12

2008. 10.30 6.03 6.66 6.75 7.02 7.2

2008. 10.09 6. 12 6.93 7.02 7.29 7.47

2008.09. 16 6.2 1 7.2 7.29 7.56 7.74

2007. 12.2 1 6.57 7.47 7.56 7.74 7.83

2007.09. 15 6.48 7.29 7.47 7.65 7.83

2007.08.22 6.2 1 7.02 7.2 7.38 7.56

2007.07.2 1 6.03 6.84 7.02 7.2 7.38

2007.05. 19 5.85 6.57 6.75 6.93 7.2

2007.03. 18 5.67 6.39 6.57 6.75 7. 1 1

2006.08. 19 5.58 6. 12 6.3 6.48 6.84

2006.04.28 5.4 5.85 6.03 6. 12 6.39

2004. 10.29 5.22 5.58 5.76 5.85 6. 12

2002.02.2 1 5.04 5.3 1 5.49 5.58 5.76

1999.06. 10 5.58 5.85 5.94 6.03 6.2 1

1998. 12.07 6. 12 6.39 6.66 7.2 7.56

1998.07.0 1 6.57 6.93 7. 1 1 7.65 8.0 1

1998.03.25 7.02 7.92 9 9.72 10.35

1997. 10.23 7.65 8.64 9.36 9.9 10.53

1996.08.23 9. 18 10.08 10.98 1 1.7 12.42

1996.05.0 1 9.72 10.98 13. 14 14.94 15. 12

1995.07.0 1 10.08 12.06 13.5 15. 12 15.3

1995.0 1.0 1 9 10.98 12.96 14.58 14.76

1993.07. 1 1 9 10.98 12.24 13.86 14.04

1993.05. 15 8.82 9.36 10.8 12.06 12.24

199 1.04.2 1 8. 1 8.64 9 9.54 9

Benchmark interest rate of agreed deposits over the years

1, agreed deposit benchmark interest rate in 2020 1 1.98 1, 2.600 for two years, 3.248 for three years and 3. 1 for five years.

2.202 1 year, 1 year, 1.998, 2.640, 3.329 and 3.288 benchmark interest rates for agreed deposits.

3. In 2022, the benchmark interest rate for agreed deposits is 1 2.002, 2.642 for two years, 3.335 for three years and 3.275 for five years.

Benchmark interest rate of central bank loans over the years

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%.

What is the benchmark interest rate of China People's Bank loan?

China People's Bank loan benchmark interest rate: The benchmark interest rate for one-year loans of financial institutions is 4.35%, which has been implemented since 2065438+2005 and 65438+2005 and has not been adjusted so far.

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.

This article was edited on March 2022-10.

This concludes the introduction of benchmark deposit and loan interest rates and the list of deposit and loan interest rates over the years. I wonder if you found the information you need from it?