The benchmark interest rates of banks' loans are the same, but the floating interest rates of banks are different. The benchmark interest rates of banks are as follows:

Loans within six months (including six months) 4.60%

Loans from six months to one year (including 1 year) 4.60%

One to three years (including three years) loan 5.00%

3 to 5 years (including 5 years) loan 5.00%

Loans for more than five years 5. 15%

2. What is the interest rate of bank loans in the same period?

From the date of interest calculation, if it is less than one year, the loan interest rate will be less than one year, and so on. The loan interest rate will be 4.35% within one year (inclusive), 4.75% within one year to five years (inclusive) and 4.90% for more than five years.

Loan interest rate for the same period

Bank loan interest rate refers to the ratio of interest amount to principal amount during the loan period. The interest rate in China is managed by the People's Bank of China. The bank loan interest rate refers to the benchmark interest rate stipulated by the People's Bank of China, and the actual contract interest rate can fluctuate within the benchmark range.

The interest rate of loan contracts with banks and other financial institutions as lenders is fixed. Both parties can only cooperate within the upper and lower limits of the interest rate stipulated by the People's Bank of China, after which the repayment amount of the borrower will increase, otherwise it will decrease.

The People's Bank of China decided to reduce the RMB loans of financial institutions from 20 15124/0, so as to further reduce the social financing cost.

Among them, the benchmark interest rate for one-year loans of financial institutions is 5%; The benchmark interest rate for one-year deposits will be lowered by 0. The benchmark interest rates of other grades of loans and deposits and the lending rates of the People's Bank of China to financial institutions shall be adjusted accordingly; When individual housing is public, commercial banks and rural cooperative financial institutions will no longer set a floating ceiling on deposit interest rates, improve the formation and regulation mechanism of interest rate marketization, and strengthen the efficiency of the transmission of central bank policies to interest rate subjects.

From the same day, the RMB deposit reserve ratio of financial institutions will be lowered by 0.5 percentage point to maintain a reasonable, stable and moderate growth in liquidity in the banking system.

At the same time, in order to increase the positive incentives for micro-enterprises, additional relief will be given to financial institutions that meet the standards.

2065438+On August 26th, 2005, the People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions to further reduce the financing costs of enterprises.

Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.6%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to1.75%; The benchmark interest rates for loans and deposits of other grades and the deposit and loan interest rates for individual housing provident fund shall be adjusted accordingly. At the same time, the floating ceiling of time deposits, demand deposits and time deposits with a term of less than one year remains unchanged.

201165438 On October 22nd, 2004+/kloc-0, the national benchmark interest rate for one-year RMB loans and deposits was lowered by 0.4 percentage point, and the benchmark interest rate was lowered by 0.25 percentage point to 2.75%. At the same time, the upper limit of the floating range of institutional deposit interest rate is adjusted from 1. 1 times of the deposit benchmark 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.

On June 8, 20 12, the people's bank of China decided to lower the benchmark interest rate of RMB deposits and loans of financial institutions from June 8, 20 12. The benchmark interest rates of one-year deposits and loans of financial institutions were lowered by 0.25 percentage points respectively, and the deposit and loan interest rates of housing provident fund were also lowered simultaneously.

On July 6th, 20 1 1, the People's Bank of China decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from July 7th, 201/. The benchmark interest rates of one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively, and the deposit and loan interest rates of housing provident fund were also raised simultaneously.

On April 5th, 20 1 1, the People's Bank of China decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from April 6th, 201/. The benchmark interest rates for one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively.

On February 8, 20 1 1, the People's Bank of China decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from February 9, 201/. The benchmark interest rates for one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively, and the benchmark interest rates for other grades of deposits and loans were adjusted accordingly.

2010 65438+On February 25th, the People's Bank of China decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from February 26th. The benchmark interest rates for one-year loans of financial institutions were raised by 0.25 percentage points respectively, and the benchmark interest rates for deposits and loans of other grades were adjusted accordingly.

201019 The benchmark interest rate of RMB deposits and loans of financial institutions was raised from 20 10 10 20. The benchmark interest rate for one-year deposits of financial institutions was raised by 0.25 percentage points, from the current 2.25% to 2.50%; The benchmark interest rate for one-year loans was raised by 0.25 percentage points, from the current 5.3 1% to 5.56%; The benchmark interest rates for other grades of deposits and loans will be adjusted accordingly.

165438+2008127 October, starting from 2008127 October, the benchmark interest rate for one-year RMB deposits and loans of financial institutions will be lowered by10.08 percentage point, and the benchmark interest rates for deposits and loans of other maturities will be adjusted accordingly. At the same time, the central bank's refinancing and rediscount rates will be lowered.

On June 29, 2008, from June 30, 2008, the one-year deposit benchmark interest rate was lowered from the current 3.87% to 3.60%, down by 0.27 percentage point; The benchmark interest rate for one-year loans was lowered from the current 6.93% to 6.66%, down by 0.27 percentage points; The benchmark interest rates for other grades of deposits and loans will be adjusted accordingly. The interest rate of individual housing provident fund loans remains unchanged.

3. What's the latest regulation of bank deposit interest rate for the same period?

1, benchmark interest rate: 1, annual interest rate 1.5%, annual interest rate 2. 1%, annual interest rate 2.75%;

2. Bank of China: 1 annual interest rate 1.75%, 2-year interest rate 2.25%, 3-year interest rate 2.75%, 5-year interest rate 2.75%;

3. China Construction Bank: 1 annual interest rate 1.75%, 2-year interest rate 2.25%, 3-year interest rate 2.75%, 5-year interest rate 2.75%;

4. ICBC: 1 annual interest rate 1.75%, 2-year interest rate 2.25%, 3-year interest rate 2.75%, 5-year interest rate 2.75%;

5. Agricultural Bank: 1 annual interest rate 1.75%, 2-year interest rate 2.25%, 3-year interest rate 2.75%, 5-year interest rate 2.75%;

6. Postal Savings Bank: 1 annual interest rate 1.78%, 2-year interest rate 2.25%, 3-year interest rate 2.75%, 5-year interest rate 2.75%;

7. Bank of Communications: 1 annual interest rate 1.75%, 2-year interest rate 2.25%, 3-year interest rate 2.75%, 5-year interest rate 2.75%;

4. What is the current interest rate of bank loans for the same period?

The benchmark interest rates of the central bank for the same period are as follows:

1. Within one year, the annual interest rate of commercial loans is 4.35%.

2. Within one to five years, the annual interest rate of commercial loans will be 4.75%.

3. For more than five years, the annual interest rate of commercial loans is 4.9%.

4. For less than five years, the annual interest rate of provident fund loans is 2.75%.

5. For more than five years, the annual interest rate of provident fund loans is 3.25%.