20 19 the benchmark annual interest rate of central bank loans for more than five years is 4.9%, for one to five years (including five years) is 4.75%, and for less than one year (including one year) is 4.35%.

Reply time: 2020-11-18. Please refer to the latest business changes announced by Ping An Bank in official website.

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20 19 commercial loan interest rate

The commercial loan interest rates of domestic banks are adjusted according to the benchmark interest rate of the Bank of China, and the adjustment ratio of different banks is different, so the loan interest rates implemented by different banks will be different. The benchmark interest rate of the Bank of China for 20 19 years is as follows:

I. Short-term loans

Within one year (including one year) 4.35%

Second, medium and long-term loans

One to five years (including five years) 4.75%

More than five years, 4.90%.

The benchmark loan interest rate is the guiding loan interest rate issued by the People's Bank of China to commercial banks, which plays a guiding role in the deposit, loan and discount business of commercial banks.

There are many factors that affect the change of interest rate, including:

① Average profit rate. It must be higher than the interest rate. Only when the average profit rate is higher than the interest rate will you borrow money.

(2) the relationship between supply and demand of loan funds. This is a very extensive factor that affects interest rates. There is more money in society, less demand from enterprises, less loans, more deposits, lower profits and lower interest rates; On the other hand, banks have no money, but enterprises borrow a lot, and the interest rate is high at this time.

(3) The influence of national economic policies. The state should adopt two policies, one is to relax monetary policy, and the other is to tighten monetary policy. When the economy is booming, in order to prevent the economy from overheating, we should tighten monetary policy and raise interest rates; When the economy is in recession, loosen monetary policy and cut interest rates.

④ International interest rate level. Interest rate is the price of money, and international capital flow is affected by interest rate, and capital will flow to countries with relatively high interest rates.

What is the interest rate of 20 19 mortgage?

20 19 the approximate range of the interest rate of the first home loan of commercial banks is

1, loan term 1 to 5 years, including 5 years, and the interest rate of the first home loan is generally between 4.75%-6.7 15%;

2. The interest rate of the first home loan with a loan term of more than 5 years is generally between 4.9% and 6.37%.

The above is the approximate range of the first home loan interest rate of 20 19. If the central bank does not adjust the benchmark loan interest rate, the interest rate range should not change much. In the actual loan process, commercial banks will determine the specific loan interest rate by combining various factors.

The change of mortgage interest rate will affect every buyer's heart. At present, the state's regulation policy on the property market has been very strict, and the mortgage interest rate is often in a floating state. What is the mortgage interest rate of 20 19?

1, and the short-term loan interest rate within one year (inclusive) is 4.35%; The medium-term loan interest rate of one year to five years (inclusive) is 4.75%; The long-term loan interest rate for more than five years is 4.9%. Under normal circumstances, mortgages are long-term loans for more than five years, so the floating% is always on the basis of 4.9%.

2. The mortgage interest rate rises by 5%, which means that you applied for a mortgage in this bank. The mortgage interest rate is 4.9 %× (15%) = 5.145%; The mortgage interest rate rises 10%, which means that if you apply for a mortgage in this bank, the mortgage interest rate is 4.9% × (110%) = 5.39%; The mortgage interest rate is 20%, which means you apply for a mortgage in this bank. The mortgage interest rate is 4.9% × 80% = 3.92%.

3. Interest = interest rate of principal mortgage loan term. Therefore, under the same conditions, it is more cost-effective to get a bank loan and get a discount on the mortgage interest rate. The lower the discount, the less interest.

What's the latest news about the 20 19 mortgage interest rate?

1. From the trend of mortgage interest rate, it is more likely that the interest rate of 20 19 will be adjusted back. Judging from market liquidity, the central bank has reduced RRR five times since 20 18, and the current market liquidity is in a reasonable and abundant state, which is conducive to the expansion of credit scale.

2. From the risk point of view, individual housing loans are relatively less risky assets, and banks are relatively willing to increase the credit scale in this area. However, because the liquidity of the central bank is intended to give blood to private enterprises and small and micro enterprises, the financial supervision of real estate has not been liberalized, so the bank's inclination to real estate is limited.

3. Due to the purification of the housing market environment and the favorable liquidity of funds, the interests of the just-needed groups need to be guaranteed, but there are still differences between first-tier cities and second-tier cities. Generally speaking, the interest rate in first-tier cities is lower than that in second-tier cities, which is mainly affected by the urban economic situation, the number of banks, the volume and the business volume. However, from the current point of view, even in first-tier cities, it is impossible for interest rates to fall back to preferential discount levels in the short term.

What's the latest news about the current mortgage interest rates of 20 19 and 20 19? I'm here to explain it to you, hoping to help you. It is not difficult to see that the current mortgage interest rate is relatively high, and many house slaves are under pressure. However, from the current situation, there may be a certain correction in the future mortgage interest rate.