201465438+1October1-65438+1October 2 1, and the benchmark annual interest rate of the loan announced by China People's Bank is as follows: 5.6% within 6 months (inclusive); 6 months to 1 year (including 1 year) 6%; 1-3 years (including 3 years) 6.15%; 3-5 years (including 5 years) 6.4%; More than 5 years, 6.55%;
201165438+1October 22-65438+31February, the benchmark annual interest rate of the loan announced by China People's Bank is as follows: 5.6% within 6 months (inclusive); 6 months to 1 year (including 1 year) 5.6%; 1-3 years (including 3 years) 6%; 3-5 years (including 5 years) 6%; More than 5 years, 6. 15%.
The benchmark loan interest rate is based on the loan guidance interest rate issued by the central bank to commercial banks. It is one of the monetary policies used by the central bank to regulate social and economic activities and the operation of the financial system. We must have a detailed understanding. At the same time, we need to pay attention to the loan interest rate, which is constantly changing. Be sure to learn to pay attention to the corresponding insurance policies. Only in this way can we better protect our own interests from losses. At the same time, it should be noted that relevant documents must be prepared when borrowing. Only in this way can we make normal payments and learn to protect our personal credit information in our lives.
1. How did the loan interest rate change?
The loan interest rate in China is managed by the People's Bank of China. Generally speaking, the bank loan interest rate will fluctuate with reference to the benchmark interest rate stipulated by the People's Bank of China. If we have a loan demand, we must go to several banks to compare. Shop around to better protect your property. I hope everyone can understand this, but it should be noted that the loan interest rate is generally higher than the deposit interest rate, and the difference between them is the main source of bank profits.
2. What should I pay attention to before applying for a loan?
Before applying for a loan, you must have a correct understanding of your repayment ability, design a repayment plan according to your income level, and leave room appropriately. Only in this way can we not affect our normal life. At the same time, it should be noted that overdue behavior must be avoided in life, so that personal credit information will not be affected. Be sure to read the loan contract carefully. Only by reading the terms of the contract can we better understand our rights and obligations.
3. What effect will overdue behavior have on our life?
If we can't repay in time in our life, our personal credit inquiry at the meeting will be greatly hindered if we want to borrow again. I hope everyone can repay in time.
What is the benchmark interest rate for 20 14 bank loans?
The central bank lowered the benchmark interest rates of RMB loans and deposits of financial institutions from 20 1 14122 October.
Loans are divided into short-term loans and medium and long-term loans. 20 14 1 10 to 20141221February, the benchmark interest rates of loans are as follows:
1.6-month loan benchmark interest rate of 5.6%;
The benchmark interest rate for loans from 2.6 months to 1 year (including 1 year) is 6%;
3. 1 ~3 years (including 3 years) loan benchmark interest rate is 6.15%;
The benchmark interest rate for loans from 4.3 to 5 years (including 5 years) is 6.4%;
The benchmark interest rate for loans over five and a half years is 6.55%.
From February 22, 20 14, the benchmark interest rate of bank loans is divided into three grades: 1 year (inclusive) loan interest rate is 5.6%, 1 to 5 years (inclusive) loan interest rate is 6./kloc.
The loan interest rate table of China People's Bank is 20 14.
From 20 14,165438+122, the benchmark interest rates for RMB loans and deposits of financial institutions will be lowered.
The benchmark interest rate for one-year loans of financial institutions was lowered by 0.4 percentage points to 5.6%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to 2.75%. At the same time, the upper limit of the floating range of deposit interest rate of financial institutions is adjusted from 1. 1 times of the benchmark deposit interest rate to 1.2 times. The benchmark interest rates of other grades of loans and deposits are adjusted accordingly, and the term grades of benchmark interest rates are appropriately degenerate.
Loan interest rate table:
Extended data:
1, 2014 65438+1October1-65438+1October 2 1, and the benchmark annual interest rate of the loan announced by the People's Bank of China is as follows: within 6 months (inclusive) 5.6. 6 months to 1 year (including 1 year) 6%; 1-3 years (including 3 years) 6.15%; 3-5 years (including 5 years) 6.4%; More than 5 years, 6.55%;
2.20 14,165438+1October 22-65438+February 3 1, and the benchmark annual interest rate of loans announced by the People's Bank of China is as follows: 5.6% within 6 months (inclusive); 6 months to 1 year (including 1 year) 5.6%; 1-3 years (including 3 years) 6%; 3-5 years (including 5 years) 6%; More than 5 years, 6. 15%.