At present, the interest rate of the first home loan in Shandong Province generally fluctuates on the basis of the benchmark interest rate according to the customer's credit situation and loan term. Generally speaking, the benchmark interest rate of the first home loan in Shandong in 2020 is as follows: the benchmark interest rate for commercial loans is 4.774%, the benchmark interest rate for 20% discount is 4.6 18%, and the benchmark interest rate for 10% discount is 4.462%; The benchmark interest rate for provident fund loans is 30% off, 3. 1% off, and 2.95% off. However, all walks of life will adjust interest rates according to different situations of lenders, so the final interest rate will be determined according to the specific situation of lenders.

Interest rate of newly issued corporate loans in Shandong Province in 2022

In 2022, according to the regulations of the People's Bank of China, the interest rate of new corporate loans in Shandong Province is generally based on the benchmark interest rate (LPR), with a floating point of no more than 5 percentage points. According to the current policy of the People's Bank of China, the interest rate of new enterprise loans in Shandong Province in 2022 is roughly as follows:

1, medium and long-term loans:

(1) Small and micro enterprises: on the basis of the benchmark interest rate 1. 1 times, the floating rate shall not exceed 5 percentage points;

(2) General enterprises: based on the benchmark interest rate 1. 15 times, the floating rate shall not exceed 4 percentage points;

2. Short-term loans:

(1) Small and micro enterprises: on the basis of the benchmark interest rate 1.05 times, the floating rate shall not exceed 3 percentage points;

(2) General enterprises: on the basis of the benchmark interest rate 1. 1 times, the floating rate shall not exceed 2 percentage points.

Are the mortgage interest rates of all banks in Binzhou, Shandong the same now?

Similarly, the fluctuation range of loan interest rates of big banks is even smaller, with the benchmark interest rate rising by 5%-20% and the benchmark interest rate rising by 18%. The loan interest rates of all banks fluctuate between 65,438+00% and 50% of the benchmark interest rate of the central bank.

I. mortgage interest rates of Banking Commerce in 2022

With the marketization of loan interest rates, the loan interest rates of banks fluctuate between 10% and 50% of the central bank's benchmark interest rate. The benchmark interest rate of commercial loans is mainly adjusted to 4.34% for short-term loans of less than one year (including one year), 4.75% for medium-term loans of one year to five years (including five years) and 4.90% for long-term loans of more than five years. If it is a provident fund loan, it will be 2.75% for less than five years and 3.25% for more than five years.

Under normal circumstances, the loan interest rate of big banks fluctuates slightly, and the loan interest rate is not so high. However, because the loan threshold of small banks is not as high as that of big banks, the floating rate of loan interest rate is relatively large. Simply put, the lower the interest rate, the stricter the bank loan conditions, and the higher the interest rate, the looser the bank loan conditions.

According to the benchmark interest rates of short-term loans, medium-term loans and long-term loans, we can look at the specific contents of loan interest rates of some domestic banks.

1. Bank of China: interest rate benchmark rises 10%-20%.

2. China Construction Bank: Interest rate benchmark will rise by 20%.

3. ICBC: interest rate benchmark rises 10%.

4. Agricultural Bank of China: The interest rate benchmark will rise by 5%-20%.

5. Huaxia Bank: The interest rate benchmark rose by 25%.

6. China Merchants Bank and Bank of Communications: The benchmark interest rate rose by 30%.

7. Postal Savings Bank: interest rate benchmark rises 18%.

Second, matters needing attention

1. When applying for a loan, estimate your repayment ability according to your income level, design a repayment plan, and leave room appropriately.

2. Choose the appropriate repayment method.

3. Repay on time every month to avoid penalty interest.

What is the mortgage interest rate of Linqu Construction Bank?

Hello, according to the latest policy of Linqu CCB, the mortgage interest rate is 4.9%. The specific interest rate depends on your loan amount, loan term, collateral type and other factors. In addition, Linqu CCB also provides a variety of preferential loan policies with flexible loan term, favorable interest rate and high loan amount, which can be selected according to your actual situation.

Interest rate of Shandong Qihe mortgage in August 2020

Hello, in August 2020, the mortgage interest rate of Qihe in Shandong was 4.9%, including the commercial loan interest rate of 4.75% and the provident fund loan interest rate of 4.25%. In addition, the loan period of housing provident fund in Qihe, Shandong Province can be as long as 30 years, with a minimum down payment ratio of 30%, a maximum of 70% and a maximum loan amount of 5 million yuan. In addition, the housing provident fund loan in Qihe, Shandong Province can also support the purchase of second-hand housing, but the term of second-hand housing loan can only reach 20 years, the minimum down payment ratio can only reach 30%, the maximum loan amount can reach 50%, and the maximum loan amount can reach 3 million yuan.

Commercial loan for buying a house in Taian City, Shandong Province, with an annual interest rate of 5 years.

The interest rate of commercial loan for house purchase in Tai 'an City, Shandong Province is 5 years, the interest rate of commercial loan for more than 5 years in Tai 'an City is 3.25%, and the interest rate of commercial loan for 3 to 5 years (including 5 years) is 4.75%. Banks must review the information submitted by users who apply for housing loans. If the information submitted by users is incorrect and untrue, it is basically difficult to pass.