In 20021year, the benchmark interest rate of demand deposits of China People's Bank was 0.35%.
First of all, the benchmark interest rate is divided into deposit interest rate and loan interest rate. 202 1 The benchmark deposit interest rate of the People's Bank of China is divided into demand deposit benchmark interest rate and time deposit benchmark interest rate. Current deposit. In 20021year, the benchmark interest rate of demand deposits of China People's Bank was 0.35%. Time deposit. There are three deposit methods for time deposits: 1, lump-sum deposit and withdrawal; 2. Lump-sum deposit and withdrawal, lump-sum deposit and withdrawal, and deposit and withdrawal interest; 3. Life and work. 1, lump-sum deposit and withdrawal. The benchmark interest rate for three-month lump-sum deposit and withdrawal is1.1%; Half-year benchmark interest rate1.3%; One-year benchmark interest rate1.5%; The benchmark interest rate for two years is 2.1%; The three-year benchmark interest rate is 2.75%. 2. lump-sum deposit and withdrawal, deposit and interest. The one-year benchmark interest rate is1.1%; Three-year benchmark interest rate 1.3%. 3. Life and work. A one-time discount of 60% at the same grade interest rate within one year.
2 loan interest rates are divided into short-term loans, medium-and long-term loans and provident fund loans. The interest rate of central bank loans is as follows: 1, short-term loans. The six-month (inclusive) loan interest rate is 4.35%; The loan interest rate for six months to one year (including 1 year) is 4.35%. 2. Medium and long-term loans. The loan interest rate for one year to three years (including three years) is 4.75%; The loan interest rate for three to five years (including five years) is 4.75%; The loan interest rate for more than five years is 4.9%. 3. Provident fund loans. The loan interest rate for less than five years (including five years) is 2.75%; The loan interest rate for more than five years is 3.25%.
3. The People's Bank of China lowered one of the most important loan interest rates in China, indicating that the government is promoting the easing policy. First, Bank of China lowered the market quotation rate (LPR) of 1 year loan from 3.85% to 3.8%. 1 year LPR is widely used as the benchmark interest rate for banks to issue loans to customers. The last rate cut was in April 2020, when China was coping with the first round of COVID-19 epidemic. The Bank of China lowered the bank reserve ratio this month and actually injected nearly $200 billion into the financial system. However, last week, the central bank kept the medium-term lending facility (MLF) unchanged at 2.95%. MLF is the interest rate that the central bank lends to banks. Economists and analysts said that China has entered an easing cycle and further interest rate cuts are expected in the first half of next year.
What is the benchmark interest rate for one to five-year loans announced by the central bank at present?
At present, the benchmark interest rate for one-to five-year loans announced by the central bank is 4.75%.
At present, the benchmark annual interest rate of loans announced by the central bank is 0-6 months (including 6 months), and the annual interest rate is 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%. More than 5 years, annual interest rate: 4.90%.
The annual interest rate refers to the deposit interest rate for one year. The so-called interest rate is the abbreviation of "interest rate", which refers to the ratio of interest amount to deposit principal or loan principal in a certain period of time.
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%.
Lpr loan benchmark interest rate
LPR interest rate (latest central bank LPR interest rate inquiry in June 2022 165438+ 10)
The People's Bank of China authorized the National Interbank Funding Center to announce that in 2022, the loan market quoted interest rate (LPR) 1 year was 3.65%, and that for five years and above was 4.3%. The above LPR is valid until the next LPR version.
What is LPR? LoanPrimeRate is the loan interest rate of Pichi's best customers (customers with the strongest repayment ability, usually local governments, China Development Bridge enterprises and large companies), and other people's loan interest rates are increased or decreased (usually increased). LPR is determined by the interest rate of 18 bank, except for the highest one and the lowest one, and the remaining average is it, which is updated on the 20th of each month. If the market is short of funds, interest rates will rise, and vice versa.
18 Bank: 10 National banks (Bank of China, China Construction Bank, Agricultural Bank, Industrial and Commercial Bank, Bank of Communications, China Merchants Bank, Minsheng, Xingye, Pudong Development Bank, CITIC), city commercial banks (such as Taizhou Bank), rural commercial banks, foreign banks (Standard Chartered, Citigroup) and private banks (Weizhong, CITIC). We hope they can accurately reflect the loan situation in the market.
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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Central bank benchmark interest rate in 2023
In 2023, the benchmark interest rate for one-year (including one year) loans announced by the People's Bank of China was 4.35%, and the benchmark interest rate for one-to five-year (including five years) loans was 4.75%. At present, the benchmark interest rate of commercial loans is 4.90%, and the loan period exceeds 5 years. Affected by the policy of restricting purchases and loans, local banks have adjusted the interest rate of the first home loan to varying degrees. The average interest rate of the first suite in China is 5.38%, and the interest rate generally rises by 5%-20%. The interest rate of the second home loan generally rose 10%-30%. Kuanlaodang
The benchmark interest rate of provident fund loans is 2.75% for loans with less than five years (inclusive), 3.25% for provident fund loans with more than five years, and the interest rate of second-home loans generally rises 10%. The benchmark interest rate of new loans announced by the People's Bank of China shall be subject to the latest interest rate announced by the People's Bank of China.
I. Entrusted loan:
Entrusted loans refer to loans issued, supervised and assisted by government departments, enterprises, institutions and individuals according to the loan object, purpose, amount and term determined by customers. The lender (trustee) only charges the handling fee and does not bear the loan risk.
2. Credit loan:
Credit loans refer to loans issued in the name of borrowers. Its characteristic is that the debtor does not need to provide collateral or third-party guarantee, but only needs to rely on his own reputation to obtain loans, with the borrower's credit degree as the repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China.