The bank's loan interest rate is 4.35% within one year (inclusive) and 4.9% for loans over five years. Mortgage interest rate is the default floating interest rate, that is, the interest rate calculated based on LPR and the basis point is the final mortgage interest rate. LPR will change. The interest rate of LPR in June 2020 165438+ 10 is 3.85% for one year; The five-year period is 4.65%.

Extended data:

Bank mortgage interest is generally calculated according to the benchmark interest rate of the central bank, and different banks have different floating standards; Take the mortgage interest rate of Shenzhen Commercial Bank as an example:

1. Bank of China, Industry, Agriculture, Construction, Zhao Zhao and Beijing: the interest rate of the first suite rises 10% (5.39% for five years or more), and the interest rate of the second suite rises 15% (5.635% for five years or more);

2. Bank of Communications: the interest rate of the first suite rises 15% (5.635% for more than five years), and that of the second suite rises by 20% (5.88% for more than five years);

3. Industrial Bank: the interest rate of the first suite rises 15% (5.635% for more than five years), and the interest rate of the second suite rises by 40% (6.86% for more than five years).

What's the loan interest rate?

How much is the interest on the bank loan?

At present, the bank loan interest rate is determined according to the fluctuation of the benchmark loan interest rate stipulated by the People's Bank of China. Different banks and products will have different interest rates.

At present, our loan interest rate is as follows: 4.85% for loans within 6 months (including 6 months).

Loans from six months to one year (including 1 year) 4.85%

One to three years (including three years) loan 5.25%

3 to 5 years (including 5 years) loan 5.25%

Loans with a term of more than five years are 5.40%. After the promulgation of Article 5, branches can further increase the down payment ratio and interest rate of the second home loan in cities where house prices are rising too fast according to the real estate control objectives and policy requirements of the local people's government. At present, all localities are studying and formulating relevant implementation rules, which can be implemented after being formulated and reported to the head office of the People's Bank of China for approval. Consistent with previous market expectations, in some cities where house prices have risen too fast, the down payment for second-home mortgage may be raised to 70%, and the interest rate may be raised to 1.3 times.

According to the relevant provisions of the state:

1. All localities continue to track and monitor the issuance of individual housing loans, and pay close attention to the interest rate and down payment ratio of the first home loan and the implementation of the housing loan policy for non-local residents.

2. Financial institutions should strictly implement the differentiated housing credit policy, optimize the interest rate structure, and set reasonable prices to meet the loan demand of households for purchasing self-occupied ordinary commodity housing for the first time. According to industry insiders, it is unlikely that the credit policy of the first home will change, and it will still be implemented according to the preferential interest rate of 30% down payment and a minimum of 8.5%. Therefore, the first home buyers need not worry too much about the adjustment of the credit policy.

3. Support the reasonable credit demand of small and medium-sized ordinary commodity housing projects and government land reserve institutions, and promote the increase of effective market supply.

4. In the future, we should strengthen window guidance, guide banking financial institutions to continue to support the reasonable credit demand of government land reserve institutions and real estate development enterprises on the basis of preventing risks, pay attention to the capital situation of real estate enterprises and its impact on loan quality, and continue to track the changes in real estate financing structure and the trend of foreign capital inflow.

5. It is necessary to improve the financial service level of affordable housing projects, urge banking financial institutions to issue loans to eligible affordable housing projects in a timely manner on the basis of strengthening management and preventing risks, and support qualified enterprises to issue medium-term notes and other bond financing tools in the inter-bank bond market, which will be used exclusively for the construction of affordable housing projects.

What's the interest rate for bank loans?

1. What is the annual interest rate of bank loans?

Annual interest rate of bank loans: for loans within six months (including six months), the benchmark interest rate of RMB loans is 4.35%; The annual interest rate of loans for six months to one year (including 1 year) is 4.35%; The annual interest rate of loans for one year to three years (including three years) is 4.75%; The annual interest rate of loans for three to five years (including five years) is 4.75%; The annual interest rate of loans over five years is 4.90%. Find a way to remind everyone that the bank will make certain adjustments according to the interstate situation of real birds.

2. What is the difference between the annual interest rate and the monthly interest rate of bank loans?

The difference between annual interest rate and monthly interest rate of bank loans is as follows:

The conversion period of 1. is different.

The monthly interest rate refers to the percentage of interest and principal calculated every month, and the annual interest rate refers to the percentage of interest and principal calculated every year. Generally speaking, the annual interest rate is a few percent (%); And the monthly interest rate is a few thousandths (‰).

2. The monthly and annual interest rates of loans are calculated in different ways.

Annual interest rate: refers to the interest rate of one-year deposits or loans; Annual interest rate12 = monthly interest rate. The monthly interest rate in spring refers to the one-month deposit or loan interest rate; Monthly interest rate × 12= annual interest rate. For example, the annual interest rate is 6%; The interest rate in Na Yue is 6%12 = 5%.

The conversion relationship between monthly interest rate and annual interest rate is: monthly interest rate = annual interest rate/12, and the corresponding annual interest rate can be calculated by monthly interest rate × 12.

3. The interest of the loan is different.

Banks can use product interest method and transaction interest method to calculate interest.

3. What is the annual interest rate of bank loans?

Bank loan annual interest rate simple interest refers to the interest calculated according to the fixed principal, which is a way to calculate interest. The calculation of simple interest depends on the amount (principal) of the loan or loan, the length of the use of the asset and the general annual interest rate in the sales market.

What is the national bank loan interest rate?

The national loan interest rate varies according to the types of loans. The types of loans mainly include commercial loans and provident fund loans, and loans can also be divided into long-term loans and short-term loans.

Short-term loans (within one year, including one year): the national loan interest rate is 4.35% per annum.

Medium-and long-term loans: loans from one year to five years (including five years), the national loan interest rate is 4.75% per annum, and loans for more than five years have an annual interest rate of 4.90%.

What is the maximum loan interest stipulated by the state?

The state stipulates that the maximum interest rate of private lending is four times the benchmark interest rate of banks, depending on the specific loan period. For example, if your loan is a one-year loan and the benchmark interest rate of the People's Bank of China is 6%, then the interest rate of private lending cannot exceed 24%, otherwise it will be illegal.

7% interest of 500,000 = 5,000,007% = 35,000 yuan, which is one year's interest.

The highest interest rate of personal loans mainly depends on two aspects. The first is what kind of loan the bank you choose has, and the second is the value of your collateral (pledge).

At this stage, all banks are controlling loans because the country has raised the reserve ratio. If you want to make personal consumption loans, it is estimated that few banks can do it, and even if you do, the interest rate is relatively high.

As for the value of collateral, if you are a real estate mortgage, the general procedure is to find an appraisal company to issue an appraisal report first, and then multiply your appraisal price by a certain proportion to calculate your loan amount.