The picture shows the benchmark interest rate of the Agricultural Bank of China. Except for mortgages, other loans will basically rise by more than 30%.
2. What is the adjustment of the loan interest rate of ABC 202 1?
The latest deposit interest rate of Agricultural Bank of China
The latest deposit interest rate of China Agricultural Bank in official website
Annual interest rate of the project (%)
I. Deposits of urban and rural residents and units
(1) Current account
0.30
(2) On a regular basis
1. lump sum deposit and withdrawal
Three months 1.35
Half a year 1.55
One year 1.75
Two years 2.25
2.75 pounds for three years
2.75 pounds for five years
2. lump-sum deposit and withdrawal, deposit and interest.
One year 1.35
Three years 1.55
Five years 1.55
3. Fixed-income and double-income loans will be discounted at the same interest rate regularly within one year.
Two. Agreed deposit 1.00
Three. deposit at notice
0.55 per day
Three. The latest interest rate of agricultural bank loan interest rate table 202 1
Agricultural Bank loan interest rate table: 1. Short-term loans: within one year (including one year) 4.35% 2. Medium and long-term loans: 65,438+0, 1 to 5 years (including 5 years) 4.75%2, 5 years and above 4.90% 3. Personal housing provident fund loan: 1, 2.75 for 5 years or less. 3.25%: 1. Definition: Interest rate refers to the ratio of interest amount to loan amount (principal) in a certain period. ? Interest rate refers to the ratio of the interest amount due in each period to the par value of the borrowed, deposited or borrowed amount (called the total principal). The total interest of the lent or borrowed amount depends on the total principal, interest rate, compound interest frequency and the length of time of lending, deposit or borrowing. Interest rate is the price that the borrower needs to pay for the money borrowed, and it is also the return that the lender gets by delaying his own consumption and lending it to the borrower. The interest rate is usually calculated by the percentage of one-year interest to the principal. Second, the role: interest rate is the main factor that determines the capital cost of enterprises, and it is also the decisive factor for enterprises to raise funds and invest. To study the financial environment, we must pay attention to the current situation and changing trend of interest rates. Third, for example, the monthly interest announced by banks is basically expressed after one year. For example, the three-month annualized deposit rate is 2.6% (banks are listed). In fact, the actual interest rate for three months is only 0.65%, the annual interest rate is generally% (percentage), and the monthly interest rate is generally expressed as ‰ (one thousandth); The daily interest rate is expressed as a few tenths of the principal, usually called a few cents. If the daily interest rate is 1%, that is, the principal is 1 yuan, and the daily interest rate is 0.005438+0 yuan. (1% =0.00 1 yuan, one point =0.000 1 yuan) Calculation formula: daily interest rate _ annual interest rate ÷360= monthly interest rate ÷30. Relationship between annual interest rate and monthly interest rate: monthly interest rate = annual interest rate/12, annual interest rate = monthly interest rate 12. For example, the annual interest rate is 7.05%, which translates into a monthly interest rate of 7.05%/ 12=5.875‰ (generally, the interest rates of banks in mortgage contracts are expressed by monthly interest rates). 4. Form of expression: refers to the ratio of interest amount to total borrowed capital in a certain period. ? Interest rate is the interest level of unit currency in unit time, indicating the amount of interest. Economists have been trying to find a set of theories that can fully explain the structure and changes of interest rates. Interest rates are usually controlled by the national central bank and managed by the US Federal Reserve. So far, all countries regard interest rate as one of the important tools of macro-control. The monthly interest rate refers to the monthly interest. The monthly interest rate is expressed as a few thousandths of the principal.
Four. Latest interest rate table of deposit interest rate of Agricultural Bank of China 202 1
Latest interest rate table of deposit interest rate of Agricultural Bank of China 202 1:
I. Deposits of urban and rural residents and units
(1) Current account 0.30
(2) On a regular basis
1.
Three months 1.35
Half a year 1.55
One year 1.75
Two years 2.25
2.75 pounds for three years
2.75 pounds for five years
2. lump-sum deposit and withdrawal, deposit and interest.
One year 1.35
Three years 1.55
Five years 1.55
3. Fixed-income and double-income loans will be discounted at the same interest rate regularly within one year.
Two. Agreed deposit 1.00
Three. deposit at notice
It is the most basic and important financial behavior or activity to temporarily transfer or deposit 0.5 gold or currency in banks or temporarily transfer the right to use old potatoes to banks or other financial institutions, and it is also the most important source of credit funds for banks.
Deposit is one of the most basic businesses of banks. Without deposits, there would be no loans, and there would be no banks. In terms of time, deposits are earlier than banks. In the Tang Dynasty, a special counter for receiving and keeping money appeared in China, where depositors could withdraw money with "stickers" similar to checks or other tokens. Money changers in medieval Europe also accepted to pay interest, which was the bud of foreign bank deposit business. With the emergence of banks and other financial institutions, the deposit business of banks has developed rapidly.
Second, deposits can be classified in many ways. For example, according to the mode of production, it can be divided into original deposits and derivative deposits, and according to the term, it can be divided into demand deposits, time deposits and time deposits, as well as time deposits. According to different depositors (taking China as an example), it can be divided into corporate deposits and personal deposits.
Three, personal deposits, that is, residents' savings deposits, are the money deposited by individual residents in the bank. Time deposit refers to one to five years, ranging from 65,438+00 years. You can withdraw money or you must notify the bank a few days in advance before you can prepare to withdraw money. The higher the interest rate.
Traditional time deposits are converted into time deposits in addition to certificates of deposit. However, compared with time deposits with 90 days as the basic interest-bearing days, time deposits have stronger stability and lower operating costs, and the deposit reserve ratio held by commercial banks is correspondingly lower, often higher than demand deposits. Time deposit is a kind of deposit in which the bank and the depositor agree on the term and interest rate in advance at the time of deposit and withdraw the principal and interest after maturity. Time deposits are used to settle accounts or withdraw cash from time deposit accounts. If customers need funds temporarily, they can apply for early withdrawal or partial early withdrawal.