1. The loan interest level needs to be determined according to the lender's comprehensive qualification, loan application business type, repayment method, loan application amount, loan application period and other factors. If these factors change, the loan interest will also change. Here, Xi Caijun takes mortgage as an example to share with you the banks with lower mortgage interest rates.

2. First, state-owned banks. Among them, China Bank has the lowest interest rate, followed by China Construction Bank, Agricultural Bank and Industrial and Commercial Bank. Among other state-owned banks, the mortgage interest rates offered by China Postal Savings Bank, Industrial Bank and China Merchants Bank are generally lower than other banks. The latest data shows that the mortgage interest rate of 202 1 four major state-owned banks is generally around 3.85%. If a bank wants to apply for a credit loan, the lowest loan interest rate of 202 1 should be China Bank, and the current loan interest rate of China Bank is 2.6%. After that, ICBC's renovation loan, with equal principal and interest repayment, can choose to pay by installments for up to 5 years, and the loan interest rate is as low as 3%.

3. The short-term loan interest rate of China Bank is 4.35 for less than 6 months and 4.35 for less than 6 months 1 year. The medium and long-term loan interest rates are: 65438+4.75 for 0 years to 3 years, 4.75 for 3 years to 5 years, and 4.9 for 5 years. The loan interest rate of individual housing provident fund is 2.75 for less than 5 years and 3.25 for more than 5 years.

4. Deep development, the loan interest rate is 5.6% within half a year, and the loan interest rate from half a year to one year is 6. Medium and long-term loan interest rate 1 year or more to 3 years or less 6. 15, 3 years or more to 5 years or less 6.4, 5 years or more 6.55. The loan interest rate of individual housing provident fund, including the loan interest rate of less than 5 years, is the loan interest rate of 4 years and more than 5 years.

Central bank: short-term loans: including 6 months, with a loan interest rate of 4.35; The interest rate from 6 months to 1 year is 4.35;

Medium-and long-term loans: 1-3 years (inclusive) loan interest rate of 4.75; The ratio of 3 to 5 years is 4.75; Five years later, the interest rate is 4.9;

Personal housing provident fund loan: within 5 years, the loan interest rate is 2.75; The five-year interest rate is 3.25;