1. What is the loan base interest rate in 2016?
Loan interest rate (1) Loan interest rate is related to loan purpose, loan nature, loan term, loan policy, different lending banks, etc. The state stipulates the benchmark interest rate, and each bank determines the differential loan interest rate based on various factors, that is, it floats up or down based on the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on July 7, 2011. The types and annual interest rates are as follows: ① Short-term loans for six months (inclusive) 6.10; ② Six months to one year (inclusive) 6.56; ③ One to three years (inclusive) ) 6.65; ④ Three to five years (inclusive) 6.90; ⑤ More than five years 7.05. (2) Mortgage as an example: Bank loan interest rates are based on a comprehensive evaluation of the loan's credit status, etc. The loan interest rate level is determined based on the credit status, collateral, national policies (whether it is the first home), etc. If the evaluation is good in all aspects, different banks will The mortgage interest rates implemented vary. In 2011, due to financial constraints and other reasons, some banks implemented first home loan interest rates of 1.1 times or 1.05 times the benchmark interest rate. Starting from February 2012, most banks will adjust the interest rate for first-time home buyers to the benchmark interest rate. In early April, major state-owned banks began to implement preferential interest rates for first home loans. The maximum discount on interest rates of some banks can reach 15% off. The interest rate after the 15% discount for a term of more than five years is 7.050.85=5.9925
II. Mortgage interest rate in July 2016
The mortgage interest rate in July 2016 is as of October 24, 2015 The interest rate after daily adjustment is 4.35 for six months (inclusive), 4.35 for six months to one year (inclusive), 4.75 for one to three years (inclusive), 4.75 for three to five years (inclusive), and 4.75 for more than five years. 4.90. The interest rate for personal housing provident fund loans for less than five years (including five years) is 2.75, and for more than five years, the interest rate is 3.25.
3. What is the base interest rate for bank loans in 2016?
The base interest rate for bank loans in 2016: The annual interest rate for loans from 0 to 6 months (including June) is 4.35, and from June to 1 Years (including 1 year) are 4.35, years 1-3 (including 3 years) are 4.75, years 3-5 (including 5 years) are 4.75, and years 5-30 (including 30 years) are 4.90. On this basis, there will be an appropriate rise or fall.
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The benchmark interest rate is one of the important prerequisites for interest rate marketization. Under the conditions of interest rate marketization, financiers measure financing costs, investors calculate investment returns, and management Macroeconomic control objectively requires a generally recognized benchmark interest rate level as a reference. Therefore, in a sense, the benchmark interest rate is the core of the interest rate marketization mechanism.
4. What is the bank interest rate in 2016?
2016 latest agreed deposit interest rate
2016 bank RMB deposit benchmark interest rate
1. Demand deposit 0.35
2. Time deposit
p>1. Round deposits and withdrawals: 1.1 for three months, 1.3 for half a year, 1.5 for one year, 2.1 for two years, and 2.75.
2. Whole deposit withdrawal, whole deposit withdrawal, principal deposit and interest withdrawal: 1.1 for one year and 1.3 for three years.
3. Fixed deposit and deposit: 40% discount on the interest rate of the same grade for regular deposits and withdrawals within one year
3. Agreement deposit: 1.15
4. Notice deposit: 0.8 for one day and 1.35 for seven days.
Effective from October 24, 2015, the People's Bank of China decided to lower the benchmark interest rates for RMB loans and deposits of financial institutions to further reduce social financing costs. The deposit interest rates of major banks are adjusted differently, and the deposit interest rates displayed by the banks shall prevail.