A person from a large bank told the china securities journal on 25th that the blowout of credit supply at the beginning of the year led to an unprecedented shortage of bank credit resources, and the loan interest rates of some banks generally rose, ranging from 10% to 45%.
According to a person from the assets and liabilities department of a large state-owned bank, "Now the bank has fully put in the credit line for the current month, and the head office has issued a dead order that all branches should not lend more than the credit line for the current month." In order to ensure that the credit line does not exceed the standard, the head office has now issued a document asking all branches to raise the loan interest rate.
The general guiding principles are as follows: for quitting the industry, the loan interest rate will rise by 45% on the basis of the benchmark interest rate; General access to the industry, the loan interest rate rose by about 30% on the basis of the benchmark interest rate; Increase the loan interest rate of moderately accessible industries accordingly; If it is really approved as a quality customer by the head office, the loan interest rate can only go down by 5% at most.
The source said that the bank put forward "hard" requirements for real estate loans: to raise the loan interest rate as much as possible for key customers; For high-quality high-end customers at the head office level, the loan interest rate cannot be lower than the benchmark interest rate for the same period; Branch-level key customers rose on the basis of benchmark interest rate10%; General customers rose 15%.
A grassroots account manager of the bank said that the floating loan interest rate required by the head office is really "awesome". "Some high-rated key customers who have cooperated with banks for many years could have lowered the loan interest rate appropriately, but the loan interest rate given by the Head Office after approval became the benchmark interest rate or rose by about 10%. Such a high interest rate scared away some potential loan customers. However, even so, credit resources are particularly tight. Now the loan approval cycle of the head office is much longer than before. "
China securities journal reporter learned from a joint-stock bank that the bank has given priority to corporate loans. "When we are talking about projects, the loan interest rate is as high as possible." Moreover, with the general increase of loan interest rate, the loan interest rate of small and medium-sized enterprises is also soaring rapidly. The source said that since 20 1 1, the average interest rate of the bank's SME loans has risen by about 40% on the basis of the benchmark interest rate. However, the credit demand of SMEs is still strong.
Behind the general increase in loan interest rates, it is still the blowout of commercial banks' recent credit supply. It is reported that ICBC, Agricultural Bank of China, Bank of China and China Construction Bank increased credit by more than 350 billion yuan in the first two weeks of June 5438+ 10. The total amount of new credit in the banking industry is close to the trillion-dollar mark.
A person from the head office of a bank said that the central bank had previously stipulated that the credit line of each bank in 1 month could not exceed 12% of the annual credit target of each bank. From the current point of view, the loan amount of banks in the first two weeks has exceeded this ratio 1. So now bank loans are very cautious, and even some banks have suspended the approval of some project loans. He said: "At present, we only support some people's livelihood loans, key customer loans at the head office level and housing mortgage loans. However, the entry threshold has improved. For example, now the bank has cancelled the preferential interest rate for the first home loan, and the first home loan interest rate is subject to the benchmark interest rate for the same period, while the second home loan interest rate standard is still 1. 1 times the benchmark interest rate for the same period. "
How much interest is the loan now, and when will it be adjusted?
At present, the benchmark interest rate is 4.35% for one year, 4.75% for 2-5 years and 4.90% for more than 5 years.
The benchmark interest rate for loans from 20 16 to 2020 has not been adjusted, and the interest rate standard issued on 20 15 10 is as follows:
1. Bank loan benchmark interest rate: 4.35% within one year (including one year); 4.75% for one to five years (including five years); More than five years, 4.90%.
2. Benchmark interest rate of provident fund loans: 2.75% for less than five years (including five years); More than five years, 3.25%.
1. Short-term loan, 4.35% within one year (including one year).
Two. Medium and long-term loans, 4.75% for one to five years (including five years) and 4.90% for more than five years.
Three. The annual interest rate of individual housing provident fund loans is%, 2.75% for less than five years (including five years) and 3.25% for more than five years.
The People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from 20 15124, to further reduce the social financing costs. 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 benchmark interest rates of other grades of loans and deposits and the lending rates of the People's Bank of China to financial institutions shall be adjusted accordingly; The interest rate of individual housing provident fund loans remains unchanged.
On February 8, 20 1 1, the People's Bank of China decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from February 9, 201/. The benchmark interest rates for one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively, and the benchmark interest rates for other grades of deposits and loans were adjusted accordingly.
On February 25th, 20 10, the People's Bank of China decided to adjust the benchmark interest rate of bank loans to the benchmark interest rate of RMB deposits and loans of financial institutions from February 26th, 20 10. The benchmark interest rates for one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively, and the benchmark interest rates for other grades of deposits and loans were adjusted accordingly.
201019 Since 201010, the interest on bank loans has been raised to the benchmark interest rate of RMB deposits and loans of financial institutions. The benchmark interest rate for one-year deposits of financial institutions was raised by 0.25 percentage points, from the current 2.25% to 2.50%; The benchmark interest rate for one-year loans was raised by 0.25 percentage points, from the current 5.3 1% to 5.56%; The benchmark interest rates for other grades of deposits and loans will also be adjusted accordingly.
A number of banks raised the interest rate of the first home loan to the highest "benchmark floating 30%"
_ _ The tightening trend of bank mortgage has been going on for more than a year. After the Spring Festival, the bank quota has increased, and the lending speed has accelerated, but the interest rate of the first home loan in some banks and regions has also increased.
_ _ "Securities Daily" reporter recently visited a number of banks and real estate agents in Beijing and found that the interest rate of the first home loan of some banks was raised again. As far as the first suite is concerned, the benchmark interest rate has risen by 10%, which currently occupies the mainstream position; A few banks raised the interest rate of the first home loan to the benchmark interest rate by 20% or even 30%; Individual foreign banks can apply for the benchmark interest rate with the lowest interest rate for the first home loan, but foreign banks have higher requirements for the lender's own qualifications and the age of the house they buy.
_ _ loan interest rate
_ _ Up to 30%
_ _ After the Spring Festival, the Securities Daily reporter visited and investigated a number of branches of 1 1 bank in Beijing, including ICBC, CCB, Bank of Communications, HSBC, uob, China CITIC Bank, China Merchants Bank, Bank of Beijing, China Everbright Bank, Minsheng Bank and Shanghai Pudong Development Bank. Among them, the personal loan managers of the three banks said that the interest rate of the first home loan was at least 5%; Three banks said the minimum floating rate was 10%, and three banks said the minimum floating rate was 20%; 1 bank indicates a minimum floating rate of 30%; 1 The bank said that the approval is usually 5% higher, and the lowest benchmark interest rate can be approved for high-quality customers.
_ _ Take the great behavior of a country as an example. In a branch in Chaoyang District, Beijing, the personal loan manager said that the first suite would be implemented according to the benchmark interest rate.
_ _ In a joint-stock bank outlet in Chaoyang District, the staff told the reporter: "The first suite was implemented according to the benchmark interest rate, and the quota at the beginning of the year was not too tight."
_ _ The loan manager of a foreign bank told the Securities Daily reporter, "At present, our bank usually approves the interest rate of the first suite to rise by 5% and the second suite 10%. However, the benchmark interest rate can be approved for the first home loan interest rate of qualified customers (such as central enterprises, state-owned enterprises and high-quality customers of banks). ). At the same time, the benchmark lending interest rate requires the age of the house, which needs to be a house after 2000, and the house with 1990 -2000 needs to look at the location of the house. For customers who are non-bank quality customers but meet the bank loan conditions, they can also deposit regular or wealth management with a term of more than 3 months (including 3 months) of not less than 500,000 yuan, and then they can be approved as the benchmark interest rate. "
_ _ In addition, banks have different qualification requirements for lenders. Take the requirements of a foreign bank as an example. In addition to a good credit report and a monthly income covering twice the monthly repayment amount, the lender also needs to have a college degree or above. Another joint-stock bank requires lenders to be under 55 years old.
_ _ At the same time, during the interview, the reporter of Securities Daily noticed that, unlike the previous requirement that the income certificate and the salary flow are indispensable and completely matched, after the Spring Festival, four of the above 1 1 banks visited by the reporter no longer need to submit the salary flow certificate under certain conditions, but only need to provide the income certificate.
_ _ Taking the behavior of a certain country as an example, the staff told the reporter: "You only need to provide proof of income to repay less than 7,500 yuan per month, and you don't need running water. If we comprehensively analyze the ratio of the online signing price to the loan amount, there is another case where the monthly repayment amount is between 7500 yuan and 10000 yuan, and there is no need to submit the salary flow. "
_ _ A staff member of a joint-stock bank said: "If the lender's work unit is a Fortune 500 company, state-owned enterprise, institution, etc. And the monthly payment is less than 6,543,800 yuan, or the loan ratio is less than 50% of the online signing price. Only proof of income is needed, and there is no need to run wages. "
_ _ In a foreign bank, the staff told us: "The unit that is ranked as a quality customer by me directly recognizes the income certificate."
_ _ It is worth noting that another personal bank directly said when consulting with the Securities Daily reporter: "At present, our bank only cooperates with real estate agents and does not accept individual applications. We directly ask the agent the amount and loan cycle. "
_ _ In view of the recent mortgage interest rate, the reporter also visited and consulted the real estate agent. A number of real estate agents said: "At present, most of the first home loan interest rates of the banks we cooperate with are based on the benchmark interest rate floating 10%, and some customers have been approved to float by 5%. However, we will remind customers that the chances of the benchmark interest rate being approved are very small, and we hope that customers will not have too high expectations. "
_ _ Shorten the loan cycle
_ _ However, it is gratifying that compared with the tight quota before the Spring Festival, the bank's lending speed has obviously accelerated. Among the 1 1 banks visited and consulted by the Securities Daily reporter, the staff of 7 banks indicated that they would lend money within 30 days after mortgage. A large state-owned bank has the fastest lending rate. The bank's personal loan manager told reporters: "If it goes well, the loan will be issued on the second working day after the face-to-face signing and the second working day after the house is mortgaged."
_ _ The statement of the real estate agent is basically the same as that of the bank. In a number of real estate agents in Haidian District and Xicheng District of Beijing, the staff told this reporter: "It takes about 15 -20 days from face-to-face signing to transfer, and 1 month -2 months from transfer to loan. As the current portfolio loan cycle is relatively stable, owners are more inclined to choose customers with provident fund loans or portfolio loans. "
_ _ In addition, some banks have set the lower limit of the loan amount. For example, the bank requires a loan amount of not less than 500,000 yuan. At the same time, different banks have different regulations on early repayment, and some banks charge a certain percentage of liquidated damages for early repayment within 1 year. Take a foreign investment behavior as an example. If it is a one-time full repayment, it will be repaid in advance within 1-2 years, and the bank will charge 2% of the principal (minimum 20,000 yuan) as a penalty; For early repayment within 2 -3 years, the bank will charge 1% of the principal (minimum 1 ten thousand yuan) as liquidated damages; After three years, there was no punishment. In case of partial repayment, within 1 -2 years, the bank will charge 2 months' interest on the repayment amount as liquidated damages (minimum 4,000 yuan); After two years, there was no punishment.
_ _ The interest rate of the first home loan in several cities has risen.
_ _ Rong360 data shows that in June of 20 18, the average interest rate of the first home loan in China was 5.43%, which was equivalent to the benchmark interest rate1.1times, which was 0.93% higher than that in February of 20 17. Compared with last year, the average interest rate of the first home loan in June 65438+ 10 was 4.46%, up by 2 1.75%. Among the 35 cities monitored, the lowest average interest rate of the first home loan is 4.96% in Xiamen and the highest is 5.84% in Zhengzhou.
_ _ According to the incomplete statistics of the Securities Daily reporter, after the Spring Festival, the interest rates of the first home loan in many areas including Hebei, Anhui, Guangdong, Jiangsu and other provinces have risen to varying degrees: the lowest interest rates of the first home loan in several key cities have risen by 5%-20%, the state-owned banks have risen relatively little, and the joint-stock banks have risen more.
What is the upper limit of bank mortgage interest rate increase?
Although the People's Bank of China currently stipulates that the loan interest rate of commercial banks will no longer be capped, China law also stipulates that the benchmark loan interest rate will rise more than four times during the same period, which is not protected by law. Therefore, the floating ceiling means that the execution interest rate is not higher than 4 times of the benchmark loan interest rate in the same period, and the floating ratio is not higher than 300% of the benchmark loan interest rate in the same period.
1. From 20 15 and 20 1, the fluctuation range of deposit interest rate of China People's Bank to financial institutions is:
1, and the upper limit of the floating range of deposit interest rate of financial institutions is adjusted to 1.3 times.
Second, the People's Bank of China has stipulated the range in which the loan interest rate of financial institutions will rise:
1, the upper limit of the floating range of loan interest rates of commercial banks and urban credit cooperatives is extended to 1.7 times of the benchmark loan interest rate.
2, rural credit cooperatives to expand to 2 times the benchmark interest rate of loans.
Remarks:
Unless the People's Bank of China adjusts the benchmark interest rate, the bank's loan interest rate will not affect the previously signed loan contract interest rate.
Extended data
Interest on loan to buy a house
Bank loan interest rate: the annual interest rate of interest rate items (%). If you need to estimate some daily interest when making a loan, you can convert it into daily interest rate with annual interest rate /365. Matching principal and interest repayment, matching principal and interest repayment, refers to the equal repayment of loan principal and interest every month within the relevant loan period until the loan is settled. The total amount that buyers have to pay back every month is equal, but the ratio of interest to principal will change every time.
Mortgage interest rate refers to the loan with real estate in the bank, and the interest is paid according to the interest rate stipulated by the bank.
Characteristics of interest rate: The mortgage interest rate is uniformly stipulated by the People's Bank of China. If there is a real estate loan in a bank, the loan should pay interest at the interest rate stipulated by the bank. This interest rate is the mortgage interest rate. 2065438+June 7, 2002, the central bank issued an urgent document to commercial banks, requiring that the lower limit of the floating range of individual housing loan interest rate of commercial banks should still be 0.7 times of the benchmark interest rate.
Commercial banks will implement the new interest rate: from 20 13 10, so that mortgage borrowers can reduce the pressure. But each commercial bank can float within a certain range. The mortgage interest rate in China is not always constant, but often changes. The form is that interest rates have been rising, so we often compare the situation before and after raising interest rates.
Increase in loan interest rate
I believe many people will choose commercial loans to buy and sell houses. If you want to apply for a commercial loan, you should know the specific interest rate, because the loan interest rate is different in different periods, and the loan interest rate should be calculated according to specific policies and systems. So, has the loan interest rate been raised? I believe many people will choose commercial loans to buy and sell houses. If you want to apply for a commercial loan, you should know the specific interest rate, because the loan interest rate is different in different periods, and the loan interest rate should be calculated according to specific policies and systems. So, has the loan interest rate been raised? What is the basis for the fluctuation of bank loan interest rate? Let's introduce the relevant knowledge in detail. Has the loan interest rate increased? The loan interest rate is raised, and the benchmark interest rate for commercial loans is 4.9, which is 5- 10% higher than the current loan purchase. It won't affect your down payment, but the monthly payment including the total repayment amount will go up. 1. Bank of China. For short-term loans within one year (including one year), the RMB loan interest rate is 4.35%. For medium-term loans from one year to five years (including five years), ICBC's RMB loan interest rate is 4.75%. For long-term loans of more than five years, ICBC's RMB loan interest rate is 4.9%. 2. Shenzhen Development Bank. For short-term loans within one year (including one year), the RMB loan interest rate is 5.66%. For medium-term loans from one year to five years (including five years), ICBC's RMB loan interest rate is 6. 15%. For long-term loans of more than five years, ICBC's RMB loan interest rate is 6.55%. What is the basis for the fluctuation of bank loan interest rate? 1. is conducive to highlighting the credit policy and business characteristics of China Bank. Preferential interest rates are given to foreign trade enterprises, foreign-funded enterprises, foreign affairs enterprises, large and medium-sized export production enterprises and high-tech production enterprises with good benefits. 2. It is conducive to promoting the development of related banking business in China. Loans to our basic customers, temporary loans to customers whose deposits exceed loans, and loans to customers who handle import and export settlement business and intermediary business in our bank can be properly taken care of in terms of interest rate standards. 3 is conducive to the cost accounting of credit funds, improve the ratio of assets to liabilities and its cost structure. The floating range of loan interest rate should refer to the bearing capacity of comprehensive capital cost of banks. The total amount of low-cost sources restricts the total amount of loans with downward floating interest rate, while the total amount of high-cost sources determines the total amount of loans with downward floating interest rate. The interest rate structure of the source of funds should adapt to the interest rate structure of the use of funds. 4. Conducive to the risk management of credit assets. In principle, low-risk loans are subject to low interest rates and high-risk loans are subject to high interest rates. For enterprises whose own funds fail to reach a reasonable proportion, or fail to make up their own funds as required, and their credit rating is low, interest rates should be used to promote them to improve their management and economic benefits. The above is about "has the loan interest rate been raised?" What is the basis of bank interest rate fluctuation? "For the loan interest rate, we need to understand the relevant system. Different banks have different specific credit policies and businesses. I suggest you know more about some relevant system regulations and do a good job in specific loan procedures.
This is the end of the increase and adjustment of bank loans. I wonder if you found the information you need from it?