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 (165438+1October)+policy points at all levels. After adding some points, the actual mortgage interest rates in various places are basically the same as the original floating interest rates: in most cities, the first set of interest rates rose slightly, the second set of interest rates fell slightly, and mortgages became slightly more expensive.
The benchmark interest rate of the central bank is:
I. Commercial loans:
1, the loan term is within one year (including one year), and 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. The loan term is more than five years, and the interest rate is 4.90%.
Second, provident fund loans:
1, the loan term is less than five years (including five years) and the interest rate is 2.75%;
2. The loan term is more than five years and the interest rate is 3.25%.
The short-term loan interest rate of China Everbright Bank is determined according to the interest rate policy formulated by the People's Bank of China and the floating range of the loan interest rate, and according to the nature, currency, use, method, term and risk of the loan, among which the foreign exchange loan interest rate is divided into floating interest rate and fixed interest rate. The loan interest rate is indicated in the loan contract, which customers can check when applying for a loan. There is a penalty interest for overdue loans. ?
Short-term loans refer to loans with a loan term of 1 year (inclusive). Short-term loans are generally used for the liquidity needs of the borrower's production and operation. The currencies of short-term loans include RMB and major convertible currencies of other countries and regions. The term of short-term working capital loans is generally about half a year, and the longest is no more than one year; Short-term loans can only be extended once, and the extension period cannot exceed the original period. The advantages of short-term loans are relatively low interest rates and relatively stable capital supply and repayment. The disadvantage is that it cannot meet the long-term capital needs of enterprises. At the same time, because short-term loans use fixed interest rates, the interests of enterprises may be affected by interest rate fluctuations.