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.