The interest rate will change after the loan, but only if the People's Bank of China adjusts the benchmark interest rate of the loan, and then the interest rate of the loan will change accordingly; If the benchmark interest rate is raised, the loan interest rate will also be raised, and the benchmark interest rate will be lowered, so will the loan interest rate.
Different banks set different times to adjust interest rates. Some banks adjust the benchmark interest rate in the next month after the announcement, and some banks adjust it every year 1 month. Users can call the bank when the loan interest rate is specifically adjusted. In fact, the adjustment time is clearly stipulated in the loan contract.
If the loan interest rate increases, the monthly repayment amount of the borrower will increase, otherwise the monthly repayment amount will decrease; After the loan, many people hope that the benchmark interest rate of the loan will be lowered. It should be noted that if there is a floating ratio in the loan contract, this ratio will not change, and the adjusted benchmark interest rate still exists.
The adjustment of the benchmark loan interest rate is made by the central bank according to the needs of market economy development, which usually takes a long time to adjust. The increase of loan interest rate is the most unfavorable to a borrower, that is, a user who has signed a loan contract but has not yet lent money. At this time, banks will generally ask for a new loan contract.
A certain interest rate will change with the national regulations.
Will the mortgage interest rate change?
Hello! It will change.
The interest rate in the loan will change with the increase or decrease of the new interest rate of the central bank. Generally speaking, when the deposit and loan interest rates of commercial banks change, the mortgage interest rate will be adjusted once a year, and the monthly repayment amount of the remaining principal will be determined according to the new interest rate at the beginning of the year, and will remain unchanged at 1 year after it is determined at the beginning of the year (regardless of whether the interest rate is adjusted again in that year). When you signed the mortgage contract, it was determined according to the current interest rate, which remained unchanged that year. However, some banks take effect the next month, and some banks take effect the next year, depending on the contracts signed with banks.
202/kloc-the latest bank interest rate and the latest bank deposit and loan interest rate adjustment in October/August.
20021:latest bank interest rate and latest bank deposit and loan interest rate adjustment list in August, 20021Bank Information Port learned that the People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from August 24th, 20 15 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 4.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to 1.5%.
The People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from August 24th, 20 15 to further reduce the social financing cost. Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to1.5%; The benchmark interest rates of other loans and deposits and the lending rates of the People's Bank of China to financial institutions are adjusted accordingly; The interest rate of individual housing provident fund loans remains unchanged. At the same time, commercial banks and rural cooperative financial institutions are no longer allowed to set a floating ceiling on deposit interest rates, improve the formation and regulation mechanism of interest rate marketization, strengthen the regulation and supervision of the interest rate system by the central bank, and improve the transmission efficiency of monetary policy.
Starting from that day, 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 increase the positive incentives for financial support for "agriculture, rural areas and farmers" and small and micro enterprises, the deposit reserve ratio will be reduced by 0.5 percentage points for eligible financial institutions.
The benchmark interest rates for other grades of loans and deposits will be adjusted accordingly. (This interest rate is 202 1 the latest bank interest rate in August, the new benchmark interest rate for bank deposits and loans)
The bank information port specially reminds that the deposit and loan interest rate of individual housing provident fund has not decreased.
The latest benchmark interest rate table for bank deposits and loans (updated on August 24th, 20021,654 38+0) compiled by the following bank information port:
202/kloc-latest benchmark interest rate table for bank deposits and loans in October/August.
Various deposit interest rates (provided by bank information port)
interest rate
Demand deposit 0.35
Fixed deposit interest rate in lump sum.
Three months 1. 10
Half a year 1.30
One year 1.50
Two years 2. 10
2.75 pounds for three years
Interest rates of various loans
Within one year (including one year) 4.35
One to five years (including five years) 4.75
More than five years 4.90
Provident fund loan interest rate
Less than five years (including five years) 2.75
More than five years 3.25
The above is the latest benchmark interest rates for deposits, loans and provident funds of 202 1 after the interest rate cut on August 24th, 20 15!
Friendly reminder of bank information port:
Banks have the right to float on the basis of the benchmark interest rate. The specific domestic bank deposit interest rate, loan interest rate and provident fund loan interest rate shall be subject to the actual announcement of the bank. At present, as joint-stock banks have raised the interest rate of fixed deposits, interest rate marketization shows signs of starting, and all banks have different degrees of deposit interest rate concessions. Please consult your local bank for details.
Will the loan interest rate change after the bank lends money
Will affect the interest rate, but will not affect the interest rate discount.
1. Will the adjustment of benchmark interest rate affect the loan interest rate?
Will affect the interest rate, but will not affect the interest rate discount. After interest rate adjustment, it will generally be implemented from June 5438+ the following year 10. The calculation method of the new interest rate is: new benchmark interest rate × interest rate discount at the time of loan approval.
1. If the benchmark interest rate of commercial loans is adjusted, the time for adjusting the loan interest rate is as follows:
(1) adjustment at the beginning of the year, that is, the loan interest rate will be implemented in the following year 1+0. (Most banks in China)
(2) As agreed by both parties, it will generally be implemented in the month after the adjustment of the bank interest rate. (HSBC)
Note: Some banks adopt full-year adjustment, that is, repayment will be made after one year.
2. If the benchmark interest rate of provident fund loans is adjusted, the applicable loan interest rate adjustment time is: 1+0 in the next year.
Note: For high-income people who apply for provident fund loans, 50% of their income or the monthly payment of housing provident fund is taken as the minimum repayment amount. When the interest rate is lowered, the minimum monthly repayment amount will remain unchanged; When the interest rate is raised, if the new minimum monthly repayment amount is lower than the monthly deposit amount, the minimum monthly repayment amount will remain unchanged.
2. If the commercial interest rate rises, will it affect the loan interest rate?
Since 20 17, "banks, as the main executors of real estate credit policies, have curbed excessive demand and consolidated the achievements of Beijing's real estate regulation and control by raising the interest rate of individual housing loans." The interest rate of the first suite of commercial loans has been adjusted several times, from the original minimum of 15%, 10% and 15% to the current benchmark (20 17 10). Will it affect the loan interest rate that has been lent? No. The adjustment of interest rate fluctuation by commercial banks will not affect the loan interest rate. If a commercial bank adjusts the loan interest rate, and you haven't lent money while applying for a commercial loan, you need to consult the bank staff to determine whether it will affect your loan interest rate.
Source: Beijing Housing Provident Fund Management Center of China People's Bank; This content is only applicable to Beijing.
Will the loan interest rate change?
Legal analysis: the loan interest rate will change. The loan interest rate of each bank will be different. Loan interest is calculated at floating interest rate. After the adjustment of the bank loan interest rate, the interest rate calculated according to the loan interest rate will also be adjusted accordingly. No matter how it is calculated, it has no effect on the interest paid. Will have an impact on the adjusted interest. After the adjustment of the general bank interest rate, the interest rate of the outstanding part of the loan is also adjusted.
Legal basis: Article 668 of the Civil Law of People's Republic of China (PRC) shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method. Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.
Will the bank loan interest rate be adjusted?
The interest rate of fixed-rate loans is fixed from the borrowing date to the maturity date and does not change with the adjustment of LPR.
The actual execution interest rate of the floating rate loan changes according to the adjustment of the repricing cycle LPR agreed in this contract. On each interest rate repricing date, the interest rate level is calculated and determined by the corresponding term LPR and added value of the latest month.
The above contents are for your reference. Please refer to the actual business regulations.
Will the bank loan interest rate be adjusted?
Will change. The adjustment of benchmark interest rate will affect interest rate, but it will not affect interest rate discount. After the adjustment of the general bank interest rate, the interest rate of the outstanding part of the loan is also adjusted. There are three forms: first, after the bank's interest rate is adjusted, the newly adjusted interest rate will be implemented at the beginning of the following year; The second is annual adjustment, that is, the new interest rate is adjusted and implemented every year of repayment (such is the case with China bank mortgage); Third, the two sides agreed that the new interest rate level will generally be implemented in the month after the bank's interest rate adjustment. The adjustment of the interest rate of provident fund loans is carried out every year 1 month 1 day.
1. If the benchmark interest rate of commercial loans is adjusted, the applicable loan interest rate adjustment time is as follows: (1) Adjustment at the beginning of the year, that is, the following year 1 implementation loan interest rate. (2) As agreed by both parties, it will generally be implemented in the month after the adjustment of the bank interest rate. Note: Some banks adopt full-year adjustment, that is, repayment will be made after one year.
2. If the benchmark interest rate of provident fund loans is adjusted, the applicable loan interest rate adjustment time is: 1+0 in the next year.
3. The adjustment of interest rate fluctuation by commercial banks will not affect the loan interest rate. If a commercial bank does not lend money while applying for a commercial loan when adjusting the loan interest rate, it needs to consult the staff of the bank to determine whether it will affect the loan interest rate.
To add here, there are mainly the following types of loans to buy a house: 1. Housing provident fund loans: For residents who have participated in the housing provident fund deposit, low-interest housing provident fund loans should be the first choice when buying a house. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period. In other words, there is a spread between the mortgage interest rate of the housing provident fund and the bank deposit interest rate. At the same time, when handling mortgage and insurance related procedures, the housing provident fund loan will be charged by half.
2. Personal housing commercial loans: The above two loan methods are limited to employees who have paid the housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing secured loans from commercial banks, that is, bank mortgage loans. As long as your balance in the loan bank accounts for not less than 30% of the funds needed for house purchase, and it is used as the down payment, and the assets recognized by the loan bank are used as collateral or pledge, or the units or individuals with sufficient compensation ability are used as guarantors to repay the loan principal and interest and bear joint liability, then you can apply for using the bank mortgage loan.
3. Individual housing portfolio loans: The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of the bank. The interest rate of portfolio loan is moderate, and the loan amount is large, which is more for the lender to choose.