6.8%
From April 6, 20 1 1, the benchmark interest rate of RMB deposits and loans of financial institutions will be raised. 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 deposits and loans of other grades and the interest rates for personal housing provident fund loans were adjusted accordingly.
At present, the latest benchmark loan interest rate is:
Within 6 months (including 6 months) 5.85%
6 months to 1 year (inclusive) 6.35438+0%
1 to 3 years (including 3 years) 6.4%
3 to 5 years (including 5 years) 6.65%
More than 5 years, 6.8%
Remarks: The benchmark interest rate is set by the central bank, and the bank loan interest rate can fluctuate on this basis.
What's the difference between an annual interest rate of 3.3 and an annual interest rate of 3. 1 1 10,000?
The annualized rate is 3.3, and the annual interest rate is 3. 1 1. 1 ten thousand, with a difference of 0.2%.
How much is the interest of 3.3% in the first year of 10 thousand?
Latest benchmark interest rate for bank loans
The interest rate is 4.35% within one year; 4.75% for one to five years; Interest rate of loans for more than five years
It is 4.9%. The annual interest rate of bank loans.
It is low, but the threshold is high, so there are many people who will access the online loan platform now.
Loans, but this kind of loan platform generally gives daily interest rate or monthly interest rate, and then the annualized interest rate of loans.
How to calculate?
Annual interest rate calculation formula: monthly interest rate × 12 months = daily interest rate ×360 days (360 days per year) = annual interest rate. Calculated by the daily interest rate of 0.05%, the annualized interest rate =0.05%×360 days = 18%. Loan 10000 yuan, annual interest rate 18%× 10000 yuan = 1800 yuan.
It is worth noting that the annual interest rate offered by most lending platforms is between 14%- 18%. If the annualized interest rate calculated on a certain online lending platform is not within this range, or even exceeds the national statutory 24% or 36%, then you need to pay attention. It belongs to
Finally, the interest to be repaid is very high, so even if you are short of money, you can't borrow it on this online lending platform.
List of benchmark loan interest rates over the years: benchmark loan interest rate over the years is 20 17.
List of benchmark loan interest rates over the years: benchmark loan interest rate over the years is 20 17.
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List of benchmark loan interest rates over the years: benchmark loan interest rate over the years is 20 17.
From: Network Date: April 30, 2022
Loan interest rate (1) The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different lending banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis of the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on July 7, 20 1 1 year. Types and annual interest rates are as follows: ① Six-month (inclusive) short-term loan 6.10%; ② 6.56% from half a year to one year (inclusive); ③ One to three years (inclusive) 6.65%; ④ Three to five years (inclusive) 6.90%; ⑤ More than five years and 7.05%. (2) Take mortgage as an example: comprehensively evaluate the bank loan interest rate according to the credit status of the loan, and determine the loan interest rate level according to the credit status, collateral and national policy (whether it is the first suite or not). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is 1 of the benchmark interest rate. Since February 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. At the beginning of April, large state-owned banks began to implement preferential interest rates for the first home loan. The interest rate discount of some banks can be up to 15%. The interest rate after 15% discount for more than five years is 7.05%0.85=5.9925%.
The adjustment time is 20 17. 1. 1 6 months (including 6 months), 6 months to 1 year (including 1 year), 4.35 years to 3 years (including 3 years), 3 years to 5 years (including 5 years) and 4.75 benchmark interest rates for deposits and loans are issued by the central bank to commercial banks. Commercial banks will formulate a portfolio of deposit interest rates based on this benchmark interest rate. Raising the benchmark interest rate means shrinking credit, reducing social mobility, raising the cost of credit and slowing down economic development. Or vice versa, From Dallas to Auditorium12015-10-244.354.354.754.952.753.25201 5-08-264.604 . 605 . 005 . 5438+052 . 53354 . 354 . 754 . 754 . 952 . 753 . 205-05 . 605 . 605 . 05 . 52 . 435 . 52 . 58+052 . 58 . 52 . 52 . 53 . 5350 420 15-05- 1 15. 105. 105.505.505.653.253.75520 15-03-0 15.355.355.755.755.903.504.00620 14- / kloc-0/ 1-22 5.605.606.006.006. 153.754.25720 12-07-065.606.006. 156.406.554.004.50820 12-06-085.856.3 1 6.406.656.804.204.70920 165438 +0-07-076. 106.566.656.907.054.454.90 1020 1 1-04-065.856.3 1 6.406.656.804.204.70 1 120 1 1-02-095.606.066 . 106.456.604.004.50 1220 10- 12-265.355.8 / kloc-0/5.856.226.403.754.30 1320 10- 10-205. 105.565.605.966. 14 3.504.05 142008- 12-234.865.3 / kloc-0/5.405.765.943.333.87 152008- 1 1-275.045.585.675.946. 123.5 14.05 1 62008-65 438+00-306.036.666.757.027.204.054.59 172008- 10-276. 126.937.027.297.474.054.59 182008- 10-096. 1 26.937.027.297.474.324.86 192008-09- 166.2 17.207.297.567.744.595. 13202007- 12-2 1 6.577.477.567.747.834.775.222 12007-09- 156.487.297 .477.657.834.775.22222007-08-226.2 17.027.207.387.564.595.04
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List of benchmark interest rates in recent 20 years: benchmark deposit interest rates of the People's Bank of China within six months (including six months), six months to one year (including one year), one year to three years (including three years), three years to five years (including five years) and more than five years1990-20165438+2068. ...
China people's bank loan benchmark interest rate table-:China people's bank loan benchmark interest rate: interest rate project annual interest rate (%) within six months (including six months) loans 4.85 six months to one year (including 1 year) loans 4.85 one to three years (including three years) loans 5.25 three to five years (including five years) loans 5.25 more than five years.
Interest rate of loans over the years: term of personal loan interest rate table over the years19961997.01997.1998.01999.6+0099.5646 ‰). ...
List of interest rates of bank loans over the years-within six months, six months to one year to three years, three years to five years and above, 20 15. 10.244.35%, 4.75%, 4.90%, 2015.08. .85%4.85%5.25%5.25%5.40%20 15.05. 1 15. 10%5. 10%5.50%5.50 ...
Table of interest rates of commercial loans over the years-:the adjustment time of the benchmark interest rate (annual interest rate%) of RMB loans of financial institutions is within half a year, half a year to one year to three years, three years to five years to more than five years, 2015.10.244.35% 4.75% 4.90% 20/kloc. ...
Interest rate table over the years-:adjustment time of benchmark interest rate of RMB deposits in financial institutions, demand deposits, time deposits for three months, six months, one year, two years, three years and five years1990.04.152.886.37.7438+00.0038+0038+0.8038. . 164.326.488.649.36 10.08 1 1.52 199 1.04.2 1 1.83.245.47.567.928.289 1993.05 ....
May I ask the People's Bank of China's loan interest rate table from 200 1 to 20 16: The benchmark loan interest rate is as follows: the adjustment time of the commercial loan interest rate table over the years is 6 months 1 year 1-3 years, 3-5 years or more1999.61. 8+05.04%5.3 1%5.49%5.58%5.76%2004. 10.295.22%5.58%5.76%5.82%6. 12%2006.4.285.40%5.85% ...
China People's Bank loan interest rate over the years: I don't know the nature of the loan. I. Annual interest rate of housing deposits% (1) Deposit interest rate The deposit interest rate of individual housing provident fund collected in the current year and listed on the interest settlement date shall be carried forward to the previous year according to the three-month lump-sum deposit interest rate. The funds deposited by the housing fund management center in the special account of the entrusted bank shall bear interest according to the unit deposit rate of the corresponding term and grade. (two) other housing deposits according to the same grade unit deposit interest. The annual interest rate of housing loan is% (1), the individual housing provident fund loan is less than five years (including five years) 4.59 is more than five years 5. 13 (2) the commercial bank's self-operated housing loan 1, and the housing development loan is subject to the legal loan interest rate of the corresponding grade 2. Individual housing loans shall be subject to the statutory loan interest rate of corresponding grades (3) Individual housing loans overdue individual housing loans overdue interest rate loan contract stipulates that an additional 30%-50% will be charged.
List of loan interest rates over the years -: 1. Loan interest rate: annual interest rate of the project (%) 1. Short-term loans within one year (including one year) 4.35 2. Medium and long-term loans for one to five years (including five years) 4.75 More than five years 4.90 3. The annual interest rate of provident fund loans for less than five years (including five years) is 2.75 for more than five years 3.25 According to the regulations of the People's Bank of China, at present, the loan interest rates of various loans from different banks will be different, and the interest required for loans will be more or less. 2. Conditions for applying for bank loan business: 1,1natural person aged 8 to 65; 2. The borrower's actual age plus the loan application period shall not exceed 70 years old; 3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule; 4. Good credit information, no bad records, and legal use of the loan; 5. Meet other conditions stipulated by the bank. If you meet the above conditions, you can apply for a loan business at a local bank.
Central Bank's benchmark interest rate over the years -:20 12 On June 8th, the People's Bank of China decided to lower the benchmark interest rate of RMB deposits and loans of financial institutions from June 8th, 2065 438+02. 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. 20 165438 On July 6th, the People's Bank of China decided, ...
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The benchmark interest rate of loans over the years ranges from 1990 to 202 1.
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Table of benchmark interest rates for loans over the years: 20 1 1 to 20 19.
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20111What is the benchmark interest rate of the bank?
20111What is the benchmark interest rate of the bank?
Do you want the interest rate?
All banks have the same deposit interest rate. Interest is calculated according to the deposit rate stipulated by the People's Bank of China.
Deposit interest rate:
I. Deposits of urban and rural residents and units
(1) Current account 0.50
(2) On a regular basis
1. lump sum deposit and withdrawal
Three months 3. 10
Half a year 3.30
3.50 a year
Two years 4.40
Three years 5.00
5.50 for five years
2. lump-sum deposit and withdrawal, deposit and interest.
A year 3. 10
Three years 3.30
3.50 for five years
3. Fixed-income and double-income loans will be discounted at the same interest rate regularly within one year.
Two. Agreed deposit 1.3 1
3. Notice deposit.
0.95 a day
Seven days 1.49
Second, the loan interest rate.
Six months (inclusive) 6. 1
Six months to one year (inclusive) 6.56
One to three years (inclusive) 6.65
Three to five years (inclusive) 6.9
More than five years 7.05
Three, personal housing provident fund loans
Less than five years (including five years) 4.45
More than five years 4.9
20111/what is the interest on the bank loan?
Annual interest rate of the project (%)
I. Deposits of urban and rural residents and units
(1) Current deposit 0.36
(2) Time deposit
1. lump sum deposit and withdrawal
Three months 2.25
2.50 for six months
2.75 a year
3.55 pounds for two years
Three years 4. 15
4.55 pounds for five years
2. lump-sum deposit and withdrawal, deposit and interest.
2.25 a year
2.50 pounds for three years
2.75 pounds for five years
3. Fixed-income and double-income loans will be discounted at the same interest rate regularly within one year.
Two. Agreed deposit 1. 17
Three. deposit at notice
0.8 1 day
Seven days 1.35
I. Short-term loans
Within six months (including six months) 5.35
Half a year to one year (including one year) 5.8 1
Second, medium and long-term loans
One to three years (including three years) 5.85
Three to five years (including five years) 6.22
More than five years 6.40
Third, discounts.
The discount is determined by adding the discount rate as the lower limit.
What is the interest rate of China Construction Bank 20 15 1 1?
The latest deposit interest rate of China Construction Bank (20 15,1effective from October 24th).
Annual interest rate of the project (%)
I. Deposits of urban and rural residents and units
(1) Current account 0.30
(2) On a regular basis
1. lump sum deposit and withdrawal
Three months 1.35
Half a year 1.55
One year 1.75
Two years 2.25
2.75 pounds for three years
2.75 pounds for five years
2. lump-sum deposit and withdrawal, deposit and interest.
One year 1.35
Three years 1.55
Five years 1.55
3. Fixed-income and double-income loans will be discounted at the same interest rate regularly within one year.
Two. Agreed deposit 1.00
Three. deposit at notice
0.55 per day
Seven days 1. 10
20111What's the bank interest?
All banks have the same deposit interest rate. Interest is calculated according to the deposit rate stipulated by the People's Bank of China.
Deposit interest rate:
I. Deposits of urban and rural residents and units
(1) Current account 0.50
(2) On a regular basis
1. lump sum deposit and withdrawal
Three months 3. 10
Half a year 3.30
3.50 a year
Two years 4.40
Three years 5.00
5.50 for five years
2. lump-sum deposit and withdrawal, deposit and interest.
A year 3. 10
Three years 3.30
3.50 for five years
3. Fixed-income and double-income loans will be discounted at the same interest rate regularly within one year.
Two. Agreed deposit 1.3 1
3. Notice deposit.
0.95 a day
Seven days 1.49
Second, the loan interest rate.
Six months (inclusive) 6. 1
Six months to one year (inclusive) 6.56
One to three years (inclusive) 6.65
Three to five years (inclusive) 6.9
More than five years 7.05
Three, personal housing provident fund loans
Less than five years (including five years) 4.45
More than five years 4.9
20 17 What's the interest of the bank on February 3rd?
Want to know the deposit interest rate of China Merchants Bank, you can go to cmbchina, the homepage of China Merchants Bank. Select "Deposit Interest Rate" under "Real-time Financial Information" at the bottom right of the webpage to view it.
2011what is the bank interest on March 22nd?
The conversion formula of bank interest rate is: daily interest rate = annual interest rate /360.
From February 9, 20 1 1 year to March 22, 20 12 * * is 104 days.
Interest = 25000006.1%0.9/360104 = 39650.
I hope I can help you.
What is the deposit interest of the bank in 2009?
New interest rate in 2009
I. Deposits of urban and rural residents and units
(1) Current account 0.36
(2) On a regular basis
1. lump sum deposit and withdrawal
Three months 1.7 1
Half a year 1.98
2.25 a year
2.79 for two years
Three years 3.33
3.60 pounds for five years
2. lump-sum deposit and withdrawal, deposit and interest.
One year 1.7 1
Three years 1.98
Five years 2.25
3. Fixed-income and double-income loans will be discounted at the same interest rate regularly within one year.
Two. Agreed deposit 1. 17
3. Notice deposit.
0.8 1 day
Seven days 1.35
If the bank's benchmark interest rate is 4 times, what is the interest rate for one year?
Hello, the loan is the result of comprehensive calculation based on the loan amount, execution interest rate, loan term, repayment method and other factors. It is impossible to calculate the actual monthly payment only by the loan amount.
If you want to calculate the monthly information for reference, please open the following link:: cmbchina. /cmbwebpubinfo/cal _ loan _ per . aspx？ Chnl=dkjsq tries to use the benchmark interest rate of the current loan to try monthly payment. (You can view information such as monthly payment, monthly payment principal, monthly payment interest, principal balance, total interest and total repayment).
How much is the mortgage interest of each bank?
If it is a commercial loan, the minimum benchmark interest rate will fall 15% (now the benchmark interest rate is 7. 56%, down 15% after 6. 426%), which is stipulated by the People's Bank of China, so all commercial banks can't fall below this standard. On this premise, what you can choose is that the service of that bank is good and convenient.
20 10 what is the interest of the bank in February?
This is the latest bank interest rate table.
: ICBC ../ICBC/%e9% 87% 91%E8% 9e% 8d% E4% BF% a1%E6% E6% 81%af/ % E5 % ad % 98% E8 % B4 % B7 % E6 % AC % be % E5 % 88% a9 % E7 % 8e % 87% E8 % a 1% A8/% E4 % ba % ba % E6 % B0 % 965438
20 1 1 what is the benchmark interest rate of RMB loans of China people's bank?
20 1 1 The benchmark interest rate of bank loans was adjusted three times, namely:
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.
Take the half-year period as an example:
On February 9, 20 1 1 year, it was adjusted from 5.8 1% to 6.06%, with an adjustment range of 0.25%.
On April 6th, 20 1 1 was adjusted from 6.06% to 6.3 1%, with an adjustment range of 0.25%.
On July 7, 20 1 1 year, it was adjusted from 6.3 1% to 6.56%, with an adjustment range of 0.25%.
Extended data:
The central bank said that after research, the benchmark loan interest rate will no longer be announced.
At present, the benchmark interest rate of deposits and loans is at a moderate level, which has achieved a balance between safeguarding the interests of ordinary people and maintaining the competitiveness of banks, and is suitable for China's national conditions.
In the process of further promoting the reform of interest rate marketization, the benchmark interest rate of central bank deposits will continue to play an important role; In fact, the loan interest rate has been liberalized, but we can still further explore the reform ideas, such as studying that the benchmark loan interest rate will no longer be announced, while continuing to study the trend of loan interest rate and the switching of existing loan contracts, and persisting in promoting reform on the premise of benefiting the people and solving the financing difficulties and high financing problems of small and medium-sized enterprises.
To deepen the interest rate marketization reform, the current focus is to promote the "two tracks" of loan interest rates, which is conducive to enhancing market competition, prompting financial institutions to make more accurate risk pricing, reducing risk premium, further unblocking the transmission of money market interest rates to loan interest rates, and promoting the reduction of financing costs for small and micro enterprises.