At present, the annual interest rate of bank loans is as follows: within half a year (including half a year), 4.85% for loans from half a year to one year (including 1 year), 4.85% for loans from one year to three years (including three years), 5.25% for loans from three years to five years (including five years), 5.25% for loans over five years and 5.40% for years. Matching principal and interest repayment method The monthly repayment amount and total interest of 20-year and 30-year mortgages are as follows: 20-year matching principal and interest repayment method: the total loan amount is 100000.00 yuan, the monthly repayment amount for 240 months is 682.25 yuan, and the total interest amount is 63740.38 yuan. Total principal and interest 163740.38 yuan, and the repayment method of equal principal and interest is 3. 0 year: total loan 100000.00 yuan, repayment months of 360 months, monthly repayment of 56 1.53 yuan, total interest paid 102 15 1.09 yuan, and total principal and interest of 202/kloc.

What is the loan interest rate in August 20021year?

On August 20th, 2002 1 year, the People's Bank of China authorized the National Interbank Funding Center to announce that the quoted interest rate (LPR) of the loan market was:1year, 3.85%, and 4.65% for more than five years. The LPR above is in the next one. ...

bengbushi people's government

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Big interest rate cut! In August, the latest LPR announced that the minimum mortgage interest rate was 4. 1%. ...

On August 23, we took the interest rate of 6.37% a year ago and the latest interest rate of 4. 1 as an example, and loaned 1 10,000 for 30 years. The interest rate of the first installment in August was 6.37%, and the total interest was/kloc-0 1244754.49 yuan. ...

Netease news

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2021-2021-what is the loan interest rate of Wisemay Finance in August?

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On May 2 1 day, the current benchmark interest rate is 6. Dormant loans are 5.22 points for one year and 6.78 points for one to five years. Repay on a monthly basis according to the repayment method of equal principal and interest. ...

What is the benchmark interest rate for 202 1 10 bank loans?

On October 20th, 2002110, the People's Bank of China announced the loan quotation (LPR) as follows:

The LPR of 1 year is 3.85%,

The 5-year LPR is 4.65%.

So far, LPR has remained unchanged for 18 months.

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According to the regulations of the central bank, the interest rate of personal mortgage is formed by adding the LPR of nearly one month as the pricing benchmark, and the 5-year LPR is the reference benchmark of mortgage. The interest rate of the first commercial mortgage shall not be lower than the LPR of the current month, that is, it shall not be lower than 4.65% of this month, and the interest rate of the second commercial mortgage shall not be lower than the LPR of the current month by 60 basis points, that is, it shall not be lower than 5.25% of this month.

Since the central bank first announced the interest rate of LPR in August 20 19, LPR has dropped four times in 1 year. However, since the benchmark mortgage interest rate was changed to LPR interest rate in June 20 19, banks have raised the real mortgage interest rate.

What's the interest rate for bank loans?

1. What is the interest rate of bank loans in the same period?

The current bank loan interest rate is the interest rate implemented in the current year. At present, the interest rates announced by the People's Bank of China for the same period are as follows: 1. Commercial loan: 65,438+0, the loan term is within one year (including one year), and the interest rate is 4.35%; 2. The loan term is one to five years (including five years) and the interest rate is 4.75%; 3. The loan term is more than five years, and the interest rate is 4.90%.

2. Provident fund loan: 1, the loan term is less than five years (including five years), and the interest rate is 2.75%; 2. The loan term is more than five years and the interest rate is 3.25%.

Major commercial banks will float the above benchmark interest rate, and the specific floating ratio will be determined according to the borrower's qualification, loan type and other factors.

After the borrower knows the loan interest rate, loan term and loan amount, he can use the formula "interest = loan principal loan interest rate loan term" to calculate interest.

: 1. The interest rate of bank loans is the ratio of the interest amount to the average loan occupation in a certain period, which is called interest rate for short.

Its calculation formula is: usually expressed as monthly interest rate and annual interest rate. The relationship between monthly interest rate and annual interest rate is: monthly interest rate × 12= annual interest rate ÷ 12= monthly interest rate.

The relationship between interest and interest rate is: interest = interest rate × principal. If the money is compound interest, then: interest = principal, interest-principal. Where: principal and interest = principal ×( 1 interest rate) term; Or: interest = principal ×.

2. The benchmark interest rate of housing mortgage refers to the unified benchmark interest rate of housing mortgage announced by the People's Bank of China, that is, the highest interest rate of housing mortgage.

When the bank loan interest rate is unstable and fluctuating, the bank can take the benchmark interest rate of housing mortgage loan as the highest current interest rate of bank mortgage loan and lower it by 65,438+00% and implement it.

According to the regulations of the People's Bank of China, the mortgage interest rate of individual housing of commercial banks can be lowered by 15%, but it must be the first self-occupied housing or the first housing loan has been settled.

3. The loan interest rate involves finance and credit. Raising the loan interest rate and expanding the deposit-loan spread will increase the bank's profit, reduce the enterprise's profit and reduce the fiscal revenue; On the contrary, lowering the loan interest rate and reducing the deposit-loan spread will reduce the profits of banks and increase the profits of enterprises, thus increasing fiscal revenue.

The upper limit of loan interest rate is a maximum set by the People's Bank of China, the national financial authority, for the specific implementation standards of loan processing limit and loan ceiling.

202 1 What are the mortgage interest rates of major banks?

The mortgage interest rates of major banks are floating on the basis of the national benchmark interest rate. The benchmark interest rate is 4.35% within one year, 4.75% within one to five years and 4.9% after five years.

The floating degree is as follows:

1. BOC: The first suite will rise by 20% based on the benchmark interest rate, and the second suite will rise by 20%.

2. ICBC: The first suite will rise by 20% based on the benchmark interest rate, and the second suite will rise by 20%.

3. Agricultural Bank: The first suite will rise by 15% based on the benchmark interest rate, and the second suite will rise by 20%.

4. Postal Savings Bank: The first suite rose by 20% based on the benchmark interest rate, and the second suite also rose by 20%.

5. CCB: The first suite will rise by 15% based on the benchmark interest rate, and the second suite will rise by 20%.

6. Bank of Communications: The first suite rose by 15% based on the benchmark interest rate, and the second suite rose by 20%.

What is the interest rate of 20 13 bank loan?

1 and 20 13 commercial loan interest rates

(1) loan term: within half a year (including half a year), and the annual interest rate of the project (%): 5.60.

(2) Loan term: six months to one year (including one year), and the annual interest rate of the project (%): 6.00.

(3) Loan term: one to three years (including three years), and annual interest rate of the project (%): 6. 15.

(4) Loan term: three to five years (including five years), and the annual interest rate of the project (%): 6.40.

(5) Loan term: more than five years, and the annual interest rate of the project (%): 6.55.

2, 20 13 personal housing provident fund loan interest rate

(1) loan term: within five years (including five years), and the annual interest rate of the project (%): 4.00.

(2) Loan term: more than five years, and the annual interest rate of the project (%): 4.50.

Note: The latest benchmark interest rate of the above 20 13 loan expires on May 29th, 20 13. Please refer to the announcement of China People's Bank for details.

Extended data:

The adjustment of interest rate floating range is an important link in the reform of interest rate marketization. The central bank has been cautious in implementing this measure. For many years, the deposit interest rate has been kept from floating up or down temporarily, and the loan interest rate can be lowered from 10% to 70% on the basis of the benchmark interest rate.

However, this policy began to change on June 8, 20 12. The People's Bank of China allowed commercial banks to raise the deposit interest rate to 10% of the benchmark interest rate, and the pace of interest rate marketization began to take off gradually.

Previous adjustment

1. The People's Bank of China has decided that as of June 8, 20 12:

(1) Adjust the upper limit of the floating range of deposit interest rate of financial institutions to 1. 1 multiple of the benchmark interest rate;

(2) Adjust the lower limit of the floating range of the loan interest rate of financial institutions to 0.8 times of the benchmark interest rate.

2. The People's Bank of China decided to adjust the lower limit of the floating range of the loan interest rate of financial institutions to 0.7 times of the benchmark interest rate from July 6, 20 12. The floating range of individual housing loan interest rate will not be adjusted, and financial institutions should continue to strictly implement differentiated housing credit policies and continue to curb speculative investment in housing.