The interest rate of every domestic bank is adjusted according to the benchmark interest rate of the central bank, and there will be some differences. As for which bank's interest rate is high, it should be calculated according to the actual listing interest rate of the local bank. Generally speaking, local commercial banks will be a little higher than state-owned banks, but the difference will not be too big.
The benchmark interest rate is the guiding interest rate for commercial banks' deposits, loans and discounts announced by the People's Bank of China. The deposit interest rate of financial institutions can be lowered by 65,438+00%, and the loan interest rate can be lowered by 20%. The benchmark interest rate is a universal reference interest rate in the financial market, and other interest rate levels or financial asset prices can be determined according to this benchmark interest rate level.
The interest rate of bank loans fluctuates according to the benchmark interest rate of the central bank. At present, China's deposit and loan interest rates are still in a semi-regulated state. The People's Bank of China timely adjusts the benchmark interest rate according to the supply and demand of funds. The interest rate generally implements the standard interest rate of the central bank. The loan interest rate is 4.35% within six months (including six months), 4.35% for six months to one year (including 1 year) and 4.75% for one year to three years (including three years). However, the deposit and loan interest rates of commercial banks are allowed to float freely within the prescribed scope.
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Requirements for bank loans:
1. Persons who have reached the age of 18, have full capacity for civil conduct, have permanent residence for urban residents, or hold valid identity cards. For bank loans, the age of the lender is generally between 18-60;
2. Have a stable legal income and the ability to repay interest;
3. Other conditions required by the lending bank.
The procedure for handling unsecured loans is usually divided into three steps:
1. The customer submits basic information, including work unit and contact telephone number.
2. The lending bank or company should check the customer's credit information, including whether the customer's credit rating has illegal records. For self-employed and small and medium-sized enterprises, it is also necessary to investigate their operating conditions.
3. The staff of the loan unit signed a contract with the customer and realized the loan in the shortest time.