20 19 bank loan interest rate is adjusted on the basis of the central bank's benchmark interest rate. The benchmark interest rate of central bank loans: 1 year, the annual interest rate of loans is 4.35%; /kloc-The annual interest rate of loans from 0 to 5 years is 4.75%; The annual interest rate of loans with a loan term of more than 5 years is 4.9%.
The bank's loan interest rate is based on the benchmark interest rate of the central bank. Commercial banks will make certain adjustments according to the types of loan products, the personal credit and qualifications of borrowers and the relevant local policies of loan banks, so the loan interest rates of various banks will be different. The following are the benchmark loan interest rates currently implemented by the central bank:
20 19 mortgage interest rate
In 20 18, the mortgage interest rate in most parts of the country rose by about 10%-20% on the basis of the benchmark interest rate, and the loan interest rate of users applying for a second home loan rose by 20%-30%. 20 19 10. after the central bank announced the RRR cut, some banks adjusted the mortgage interest rate. Many banks in Guangzhou lowered the floating range of housing loan interest rates. As one of the four major banks, CCB adjusted the mortgage interest rate, which made the mortgage interest rate lower. At present, the floating ratio of the first suite and the second suite of Guangzhou CCB is 10%, that is, the interest rate of CCB loans to buy a house is 5.39; China Bank, Postal Savings Bank, Bohai Bank, etc. China Construction Bank has completely adjusted the mortgage interest rate. The first home loan interest rate previously implemented by Bank of China rose by 25%-30%, and the second home loan interest rate rose by 35%. After this adjustment, the interest rate of the first home loan rose 15%. The interest rate of the second suite rose by 20%; The interest rate of the first home loan of the Postal Savings Bank was also lowered from 20% to 10%. The floating range of the interest rate of the first and second home loans of Bohai Bank was reduced from 30% to 23%.
The RRR cut by the central bank may lead to a decline in mortgage interest rates, because commercial banks will have sufficient funds after RRR cut, so they can lend more money. Generally, banks have more funds, which may reduce the loan interest rate. Whether the interest rate of 20 19 mortgage will fall depends on the state's regulation of the property market and the policies of various regions.
What is the interest rate of 20 19 commercial loan for buying a house?
20 19 commercial loan interest rate to buy a house, the latest news has been raised. On the basis of the benchmark interest rate of 4.9%, the first suite in Hangzhou has risen by 5% compared with the previous one, and now it has basically risen by 8%. The second suite is higher when it floats. In addition, the number of cities where house prices have risen too fast has basically increased, and the bank approval quota and loan cycle are also relatively long. In order to curb the excessive rise in housing prices. The choice of banks is different, and the interest rate of commercial loans for buying houses is also different, but the difference is not particularly great.
The lowest interest rate is 4.9%, but most banks are higher than this, about 1-20%. The interest rate set by each bank is different, and the difference is not too much, ranging from 4.9% to 7%.
At present, the benchmark interest rate of Hangzhou mortgage is 4.9%. At the beginning of March this year, most banks raised the interest rate of the first home commercial mortgage by 10%. Subsequently, since May, a number of banks raised the benchmark interest rate for the first residential commercial mortgage from 10% to 15%, and adjusted the interest rate for the second residential commercial mortgage to 1.2 times or even higher than the benchmark interest rate.
Commercial loan interest rate:
1 year 4.35%
1-5 years 4.75%
More than 5 years, 4.9%
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20 19 commercial loan interest rate
The commercial loan interest rates of domestic banks are adjusted according to the benchmark interest rate of the Bank of China, and the adjustment ratio of different banks is different, so the loan interest rates implemented by different banks will be different. The benchmark interest rate of the Bank of China for 20 19 years is as follows:
I. Short-term loans
Within one year (including one year) 4.35%
Second, medium and long-term loans
One to five years (including five years) 4.75%
More than five years, 4.90%.
The benchmark loan interest rate is the guiding loan interest rate issued by the People's Bank of China to commercial banks, which plays a guiding role in the deposit, loan and discount business of commercial banks.
There are many factors that affect the change of interest rate, including:
① Average profit rate. It must be higher than the interest rate. Only when the average profit rate is higher than the interest rate will you borrow money.
(2) the relationship between supply and demand of loan funds. This is a very extensive factor that affects interest rates. There is more money in society, less demand from enterprises, less loans, more deposits, lower profits and lower interest rates; On the other hand, banks have no money, but enterprises borrow a lot, and the interest rate is high at this time.
(3) The influence of national economic policies. The state should adopt two policies, one is to relax monetary policy, and the other is to tighten monetary policy. When the economy is booming, in order to prevent the economy from overheating, we should tighten monetary policy and raise interest rates; When the economy is in recession, loosen monetary policy and cut interest rates.
④ International interest rate level. Interest rate is the price of money, and international capital flow is affected by interest rate, and capital will flow to countries with relatively high interest rates.