I. Latest interest rate table of commercial loan interest rate in 2022
1. 1 provident fund loan
In 2022, the benchmark interest rate of provident fund loans was 3.25%, and the fluctuation range of benchmark interest rate was 1. 1 times, with a maximum of 4.575%.
1.2 commercial loan
In 2022, the benchmark interest rate of commercial loans was 3.25%, and the benchmark interest rate rose by 1. 15 times, with a maximum of 4.7375%.
Second, the trend of interest rate changes.
In 2022, the interest rate of commercial loans was more stable than that of 202 1, and the fluctuation range of benchmark interest rate remained unchanged. However, the interest rate of provident fund loans has changed, and the benchmark interest rate has increased from 1.05 times to1./kloc-0 times, with a maximum of 4.575%.
Third, how to choose the appropriate loan interest rate.
3. 1 Choose according to your own situation.
When choosing the commercial loan interest rate, we should first choose the appropriate loan interest rate according to our own situation. If your credit is good, you can consider choosing the benchmark interest rate; If the credit is poor, you can consider choosing the floating ratio of the benchmark interest rate.
3.2 Comparison between commercial loans and provident fund loans
Interest rates of commercial loans and provident fund loans can also be compared with each other. Generally speaking, the interest rate of provident fund loans is lower than that of commercial loans, but certain conditions need to be met.
Four. conclusion
In 2022, the commercial loan interest rate was stable compared with 202 1, while the provident fund loan interest rate changed. The fluctuation range of benchmark interest rate is increased from 1.05 times to1./kloc-0 times, and the highest rate can reach 4.575%. When choosing the commercial loan interest rate, we should first choose the appropriate loan interest rate according to our own situation; In addition, you can also compare commercial loans with provident fund loans and choose the one with lower interest rate.
The latest commercial loan interest rate table in 2022 is given, and the changing trend of interest rate and how to choose the appropriate loan interest rate are also discussed. When choosing the loan interest rate, we should choose according to our own situation, compare commercial loans with provident fund loans, and choose the one with lower interest rate.