The loan interest rates of ICBC are 4.35 for six months (inclusive), 4.35 for six months to 1 year (inclusive), 4.75 for 1 to three years (inclusive), 4.75 for three to five years (inclusive) and 4.9 for more than five years.
The loan interest rate is changeable, and it is only a unified benchmark interest rate. All localities can go up or down according to the actual situation. Please consult the local industrial and commercial bank for specific interest rate implementation.
Extended data
ICBC loan terms
1. A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 60 years old (exclusive). Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation.
2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate.
3. The borrower has the legal business qualification and can provide the business license of individual industrial and commercial households, partnership enterprises or enterprise legal persons.
4, with a stable source of income and the ability to repay the loan principal and interest in full and on time.
5. It has a good credit record and repayment willingness, and the borrower and its business entities have no bad credit records in known financial institutions such as China Industrial and Commercial Bank.
6. Being able to provide effective and reliable loan guarantee according to the joint loan practice recognized by the lender.
7. The borrower opens a personal settlement account in China Industrial and Commercial Bank.
8. Other conditions stipulated by China Industrial and Commercial Bank.
Industrial and commercial bank loan interest rate
ICBC's loan interest rate is adjusted according to the central bank's benchmark interest rate. The loan interest rate of each bank is different, and the actual loan interest rate needs to be determined according to the specific situation of the bank. The following is the relevant content of ICBC loan interest rate in 2022.
Let's take a look at Dakajun's latest news inquiry about ICBC's interest rate adjustment in 2022:
The central bank decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from 20 15 to124, so as to further accelerate the interest rate marketization reform.
Adjust the benchmark interest rates for loans and deposits of financial institutions.
(1) Reduce the benchmark interest rate of RMB loans of financial institutions. Among them, the one-year loan interest rate was lowered from the current 4.6% to 4.35%, down by 0.25 percentage point; The loan interest rates of other grades will also be adjusted accordingly.
(2) Reduce the benchmark interest rate of RMB deposits of financial institutions. Among them, the one-year deposit interest rate was lowered from the current 1.75% to 1.5%, down by 0.25 percentage point; The interest rates of other grades of deposits will be adjusted accordingly. The deposit interest rate remains unchanged.
(3) Reduce the deposit interest rate of individual housing provident fund. Among them, the deposit interest rate of individual housing provident fund collected in that year remained unchanged at 0.35%; The deposit interest rate of individual housing provident fund carried forward from the previous year was lowered from the current 1.35% to 1. 1%, down by 0.25 percentage point. The interest rate of individual housing provident fund loans remains unchanged.
On the evening of April 15, 2022, the central bank decided to comprehensively reduce the deposit reserve ratio of financial institutions by 0.25 percentage points on April 25 (excluding financial institutions that have implemented the deposit reserve ratio of 5%), releasing long-term funds of about 530 billion yuan.
On February 6, 20021year, the central bank decided to reduce the deposit reserve ratio of financial institutions by 0.5 percentage points on February 6, 20021year (except for financial institutions that have implemented the deposit reserve ratio of 5%). After this reduction, the weighted average deposit reserve ratio of financial institutions is 8.4%.
On July 9, 20021year, the central bank decided to reduce the deposit reserve ratio of financial institutions by 0.5 percentage points on July 6, 20021year (except for financial institutions that have implemented the deposit reserve ratio of 5%). After this reduction, the weighted average deposit reserve ratio of financial institutions is 8.9%.
Industrial and Commercial Bank of China
China Industrial and Commercial Bank was established in June 1984+ 10/0/. 20051October 28th, 10, the whole company was restructured into a joint stock limited company. On June 27th, 2006, 10 was successfully listed on Shanghai Stock Exchange and Hong Kong Stock Exchange on the same day. Through continuous efforts and steady development, it has entered the ranks of the world's leading big banks, with high-quality customer base, diversified business structure, strong innovation ability and market competitiveness, and provided a wide range of financial products and services to 5.784 million corporate customers and 530 million individual customers around the world. Take serving the real economy as the starting point and end result of management, adhere to new ideas, new finance and new services, support supply-side structural and economic transformation and upgrading, and realize its own healthy and sustainable development. With the deepening of innovation and business transformation, retail finance, asset management and financial markets have become important engines for profit growth. The international and comprehensive business pattern has been continuously improved, and the overseas network has expanded to 42 regions, further enhancing the profit contribution. In 20 16 years, for the fourth consecutive year, it ranked first in Banker's global 1000 big banks, Forbes' global enterprise 2000, and Fortune's "500 hadron list of commercial banks". The latest LPR shows that on August 22nd, 2022, the LPR for 1 year was 3.65%, and that for five years or more was 4.3%. Of course, loans of more than five years are mainly for mortgages, so for property buyers, they only need to pay attention to the five-year LPR, and the benchmark is 4.3%.
According to the notice issued by the central bank on May 15, 2022, the lower limit of the interest rate of the first set of commercial personal housing loans was adjusted to be no less than the quoted interest rate of the loan market minus 20 basis points in the same period, and the lower limit of the second set of commercial personal housing loans was implemented according to the current regulations.
Before the adjustment, the lower limit of the first home loan interest rate was the quoted interest rate of the loan market for the corresponding term, and the second home loan was LPR+60 basis points. According to the latest loan market quotation (LPR) on August 22nd, the LPR of 1 year is 3.65%, and that of 5 years and above is 4.3%.
This means that if the loan is used to purchase the first ordinary self-occupied house, the interest rate of commercial personal housing loan is not less than 4. 1% (LPR is 4.3% minus 20 basis points for 5 years and above).
Although LPR may have been talked about a lot, I think it is necessary to remind you of a few points.
The same LPR, but different cities have different algorithms and different degrees of implementation.
Actual mortgage interest rate (65438+February) =5-year LPR interest rate (65438+February)+bonus points at all levels.
After adding some points, the real mortgage interest rates in various places are basically the same as the original floating interest rates: in most cities, the first interest rate rises slightly, the second interest rate drops slightly, and the mortgage becomes slightly more expensive.
ICBC loan interest rate
1, short-term loan
Six months (inclusive) 4.75
Three to five years (inclusive) 4.75
More than five years 4.9
2. The annual interest rate of provident fund loans is 10%.
Less than five years (including five years) 2.75
More than five years 3.35
Six months to one year (inclusive) 4.35
3. Medium and long-term loans
One to three years (inclusive) 4
China Industrial and Commercial Bank Co., Ltd. is a well-funded, advanced management, experienced and internationally renowned joint-stock commercial bank. It has been ranked among the 65,438+0,000 largest banks in the world by British Banker magazine for five consecutive years, the best bank in China by American Global Finance magazine for three consecutive years, and the best mainland commercial bank in China by Hong Kong Asian Currency magazine for two consecutive years.
After 265,438+0 years of development, total assets, total capital, core capital, operating profit and many other indicators rank first in the same industry in China, which has unparalleled advantages in China's financial market. Formerly known as "Industrial and Commercial Bank of China", it has a historical accumulation that other domestic commercial banks do not have, and was successfully listed in Shanghai and Hongkong in 2006.
scope of business
Handling RMB deposits and loans; Interbank lending business; Settlement at home and abroad; Handle bill acceptance, discount and cash transfer; All kinds of exchange business; Settlement of agency funds; Providing letter of credit services and guarantees; Acting as a sales agent; Acting as an agent to issue, underwrite and honor government bonds; Collection and payment service; Acting as an agent for securities business in fund settlement (bank-securities transfer); Insurance concurrent agency business; Acting as an agent for loan business of policy banks, foreign governments and international financial institutions; Safe deposit box service; Issuing financial bonds; Buying and selling government bonds and financial bonds; Securities investment funds and enterprise annuity custody business; Enterprise annuity entrustment management service and annuity account management service; Registration, subscription and redemption of open-end funds; Credit investigation, consultation and witness business; Loan commitment; Providing financial consulting services for enterprises and individuals; Organize or participate in syndicated loans; Foreign exchange deposits; Foreign exchange loans; Foreign currency exchange; Export collection and import collection; Acceptance and discount of foreign exchange bills; Foreign exchange loans; Foreign exchange guarantee; Issuing, acting as an agent, trading or trading foreign currency securities other than trading agent stocks; Self-operated and valet foreign exchange transactions; Foreign exchange financial derivative business; Bank card business; Telephone banking, online banking and mobile banking; Handling foreign exchange settlement and sale business; Other businesses approved by the State Council Banking Regulatory Authority. (Enterprises independently choose business projects and carry out business activities according to law; Projects that must be approved according to law shall, after being approved by the relevant departments, carry out business activities in accordance with the approved contents; Shall not engage in business activities of projects prohibited and restricted by the industrial policies of this Municipality. )
What is the mortgage interest rate of ICBC?
The benchmark annual interest rate of ICBC's mortgage is 5.94%.
The loan interest rate of China Industrial and Commercial Bank is subject to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China. The longest loan period for new house loans is not more than 30 years, and that for second-hand houses is not more than 20 years. The loan amount is 70% of the appraised value of the house.
Loan terms:
1, a natural person with full capacity for civil conduct, aged between 18 and 60 (exclusive);
2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and proof of marital status;
3, with a stable source of income and the ability to repay the loan principal and interest in full and on time.
Extended data:
At present, the mortgage interest rate is implemented according to the benchmark interest rate of the central bank. Usually, banks will float on the basis of the benchmark interest rate by 0.5 to 2 percentage points. The benchmark interest rate of the central bank is:
First, the benchmark loan interest rate.
1. Within one year (including one year), the interest rate is 4.35%.
2. The loan term is one to five years (including five years) and the interest rate is 4.75%.
3. If the loan term exceeds five years, the interest rate is 4.90%.
Second, the benchmark interest rate of provident fund loans
1, less than five years (including five years), and the interest rate is 2.75%.
2. For more than five years, the interest rate is 3.25%.