Our daily life is closely related to banks, and we can say that we are dealing with banks every day. As big as buying a car and buying a house, as small as every small expenditure, you have to deduct money from the bank. We contact the bank every day, but when it comes to the loan, we don't know the interest of the bank loan. How much money to pay back every month is what every borrower cares about. Because each bank's loan interest is different, it is necessary to do your homework in advance and understand the bank's loan interest. Then let's look at the interest rates of various bank loans.

At present, the central bank sets the interest rate as one-year benchmark interest rate of 4.35%, 1-3 years (including 3 years) of 4.75%, 3-5 years (including 5 years) of 4.75% and 5-30 years (including 30 years) of 4.90%.

At present, the benchmark interest rate of bank loans in China is set by the People's Bank of China, and then the major banks fluctuate according to the prescribed range. Among them, the floating range of commercial banks, urban credit cooperatives and other financial institutions is between 0.9%- 1.7%, which means that the central bank allows major banks to rise by 70% and fall by 10% on the basis of the benchmark interest rate. Because the interest of bank loans is calculated according to the interest rate, the interest rate and loan amount of each bank are different, and the interest is also different.

Banks always have three kinds of loans, namely mortgage loans, credit loans and commercial loans. Because the loan conditions are different, the interest rate and interest rate are different.

Mortgage loan:

1. Mortgage loan is used for business operation.

The general loan amount can be applied to 70% of the real estate appraisal value. The loan interest rate should rise by more than 20% on the basis of the benchmark interest rate of the central bank according to the bank's policies and the borrower's conditions. The loan period is generally set at 5 years.

2. Mortgage loan is used for personal consumption

If the mortgage loan is used for personal consumption, the loan interest rate can rise by 10% on the basis of the benchmark interest rate of the central bank. The assets mortgaged in this way generally have a mortgage life of 10 years.

Mortgage is used to buy a house.

If the mortgage borrower uses it to buy a house, the bank's loan interest rate is 1. 1 times the original benchmark interest rate. The loan time has also been shortened from the original 20 years to 10 years.

When handling mortgage loans, the borrower's loan period has a certain relationship with his own qualifications. If his personal credit is good and his repayment ability is strong, his loan amount will be higher.

Credit loan:

The interest of general credit loans is higher than other loan methods. Because credit loans are unsecured loans, the procedures are relatively simple and the threshold is relatively low, so the interest is higher than ordinary loans. At present, the interest rates of unsecured credit loans of major banks are floating on the basis of the central bank's benchmark interest rate, at least by 30%. Calculated by the loan for five years, the interest rate for five years is about 6. 18%. When we make a loan, we should calculate the monthly repayment amount to see if we can afford it.

If credit loans are used for personal consumption, such as tourism, daily consumption, durable goods consumption, etc., you can choose credit products with small loan amount and low interest, such as China Construction Bank and Bank of Communications. If our credit loan is used for decoration, car purchase or other consumption with large demand for funds, you can choose credit loan products with high loan amount, low interest and long loan period.

However, it should be noted that there are many factors affecting credit loans, including credit application, assets and repayment ability of loans.

Commercial loans:

Commercial loans, also known as "personal housing loans", buyers pay a down payment when buying a house, and then pay a certain amount of principal and interest to the bank every month. The annual interest rate of commercial loans is 1 year or above 4.35%, 1 to 5 years (inclusive) 4.75%, and 5 years or above 4.90%. For provident fund loans below 1 year, the tax rate is 2.75%, 1-3 years is 2.75%, 3-5 years is 2.75%, and 5 years and above is 3.25%. Affected by the policy of restricting purchases and loans, major banks have adjusted the interest rate of the first home loan to varying degrees. According to statistics, the average interest rate of the first suite is 5.38%, the interest rate generally rises by 5%-20%, the second suite rises by 10%-30%, and the interest rate of provident fund loans rises by 10%.

Generally speaking, the interest of bank loans is calculated according to the interest rate. The interest rate and loan amount of each bank are different, so the interest is different. The benchmark annual interest rate set by the central bank is 4.35%, 1-3 year interest rate is 4.75%, 3-5 year interest rate is 4.75%, and 5-30 year interest rate is 4.90%. On the basis of the benchmark interest rate, major banks fluctuate within a reasonable range, that is to say, the maximum fluctuation range is 70%, and the downward fluctuation range is 10%. The above is my answer to the bank loan interest rate, I hope it will help you.

Central bank loan benchmark interest rate

China People's Bank loan benchmark interest rate: (1) Short-term loans: within one year (including one year), and the adjusted interest rate is 4.35. (2) Medium and long-term loans: the adjusted interest rate is 4.75 for one to five years (including five years); The adjusted interest rate for more than five years is 4.90. (3) Personal housing provident fund loan: the adjusted interest rate is 2.75 for less than five years (including five years); The adjusted interest rate for more than five years is 3.25.

In order to deepen the interest rate marketization reform, improve the interest rate transmission efficiency and reduce the financing cost of the real economy, the People's Bank of China decided to reform and improve the formation mechanism of the quoted interest rate (LP) in the loan market. The relevant matters are hereby announced as follows:

1. Since August 20, 2065438+2009, the People's Bank of China has authorized the National Interbank Funding Center to announce the quoted interest rate of the loan market at 9: 30 on the 20th of each month (postponed in case of holidays), which can be inquired by the public on the websites of the National Interbank Funding Center and the People's Bank of China.

II. Loan Market Quotation Rate Quotation Banks should quote to the National Interbank Funding Center at the open market operating rate (mainly referring to the medium-term lending convenience rate) before 9: 00 on the 20th of each month (postponed in case of holidays). After removing the highest and lowest quotations, the National Interbank Funding Center calculates the quotation rate of the loan market through arithmetic average.

Third, in order to improve the representativeness of the loan market quotation rate, the types of quotation banks in the loan market quotation rate have increased from the original national banks to city commercial banks, rural commercial banks, foreign banks and private banks, and this time they have been expanded from 10 to 18, and will be evaluated and adjusted regularly in the future.

4. Expand the quoted interest rate of the loan market from the original one-phase variety 1 year to two-phase variety 1 year and more than five years. Loans with a term of 1 and a term of more than five years are priced with reference to the loan market quoted interest rate of the corresponding term, and the loan interest rates with a term of 1 and a term of 1 to five years are independently selected by the Bank.

Five, from now on, banks should mainly refer to the loan market quotation rate pricing in new loans, and adopt the loan market quotation rate as the pricing benchmark in the floating rate loan contract. The existing loan interest rate is still implemented according to the original contract. Banks may not set the implicit lower limit of loan interest rate pricing in any form through cooperative behavior.

Six, the People's Bank of China will guide the market interest rate pricing self-discipline mechanism to strengthen the supervision and management of the loan market quotation rate, evaluate the quotation quality of quotation banks, urge banks to use the loan market quotation rate pricing, and seriously deal with illegal acts that disrupt the market order such as setting the implicit lower limit of loan interest rate by banks. The People's Bank of China incorporated the application of the quoted interest rate in the loan market and the competitive behavior of the loan interest rate into the macro-prudential assessment (MPA).

Legal basis:

According to Article 26 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases, if the lender requests the borrower to pay interest at the interest rate agreed in the contract, the people shall support it, except that the interest rate agreed by both parties exceeds four times the one-year loan market listing rate when the contract is established.

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What is the bank loan interest rate in 2022?

_ Latest Loan Market Quotation (lpr) of China People's Bank in 2022:

Updated on September 20, 2022:

On September 20, 2022, the loan market quoted interest rate (LPR) was 65438+3.65% for 0 years and 4.3% for 5 years and above.

Note: The above LPR is valid until the next LPR release.

Updated on August 22, 2022:

On August 22, 2022, the loan market quoted interest rate (LPR) was 65438+3.65% for 0 years and 4.3% for 5 years and above.

Updated on July 20, 2022:

On July 20, 2022, the loan market quoted interest rate (LPR) was: 1 year, 3.7%, and over 5 years, 4.45%.

Updated on June 20, 2022:

On June 20, 2022, the loan market quoted interest rate (LPR) was 65438+3.7% for 0 years and 4.45% for 5 years and above.

Updated on May 20, 2022:

On May 20, 2022, the loan market quoted interest rate (LPR) was 65438+3.7% for 0 years and 4.45% for 5 years and above.

Updated on April 20, 2022:

On April 20, 2022, the loan market quoted interest rate (LPR) was: 1 year, 3.7%, and 5 years and above, 4.6%.

Updated on March 2, 20221:

On March 2, 2022, the loan market quoted interest rate (LPR) 1 day was 3.7% for a period of five years and above, and 4.6%.

Updated on February 2, 20221:

On February 2, 2022, the loan market quoted interest rate (LPR) 1 day was 3.7% for a period of five years or more, and 4.6% for a period of five years or more.

20221October 20th, updated 65438:

In 2022 1 October 20th, the loan market quoted interest rate (LPR) was:1year LPR was 3.7%, and the LPR over five years was 4.6%.

What is the national bank loan interest rate?

As of February 20 19, 19, the People's Bank of China stipulated that the benchmark interest rate for short-term loans within one year (including one year) was 4.35%, and that for medium-and long-term loans from one year to five years (including five years) was 4.75%, and that for more than five years was 4.9%. Personal provident fund housing loans for less than five years (including five years) are 2.75% and 3.25% for more than five years.

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 stipulated by the People's Bank of China. The actual contract interest rate can fluctuate within a certain range on the basis of the benchmark interest rate, and the loan interest rates of different banks and different regions will be different.

Extended data

As of February 20 19, the current benchmark interest rate for demand deposits is 0.35%, the interest rate for three-month time deposits is 1. 1%, the interest rate for six-month time deposits is 1.3%, and the interest rate for one-year time deposits is 1.5%.

Taking China Agricultural Bank as an example, the interest rate of 20 19-year fixed deposit of China Agricultural Bank is as follows: three-month interest rate1.43%; The six-month interest rate is:1.69%; The one-year interest rate is:1.95%; The two-year interest rate is 2.73%; The three-year interest rate is: 3.30%; The five-year interest rate is: 3.58%. (As of February 8, 20 19, 19)