Downward float 10% means a 10% discount on the original interest rate.
If it falls by 5%, you will get a 95% discount on the original interest rate.
For reference only, please adopt it if you find it helpful.
Question 2: Why do bank interest rates go up and down? What do you mean? The rise and fall of bank interest rates is mainly to control the liquidity of money, thus affecting the whole society and economy. Floating means tight monetary policy, which makes money flow back to banks. On the contrary, you should be easy to understand.
Question 3: The benchmark interest rate goes down 15%. What do you mean? The benchmark interest rate is lowered 15%. Meaning: Assume that the current bank execution interest rate is 15% and the downward floating interest rate is 15% * (1-66
Interest rate refers to the ratio of interest amount to principal in a certain period, usually expressed as a percentage, and if calculated on an annual basis, it is called annual interest rate. The calculation formula is: interest rate = interest amount/principal x time × 100%.
Question 4:2065 438+04 What is the 5% reduction in the bank's benchmark interest rate? The reduction of 5% bank benchmark interest rate is based on the annual benchmark interest rate of the central bank.
If the original benchmark annual interest rate is 5.6%, a downward adjustment of 5% is 5.6% * (1-5%) = 0.0532 = 5.32%.
The benchmark interest rate is the deposit and loan interest rate of the People's Bank of China to commercial banks and other financial institutions. The benchmark interest rate is determined by the head office of the People's Bank of China. Interest rate, also known as interest rate, refers to the ratio of interest amount to principal in a certain period of time, usually expressed as a percentage, which is called annual interest rate if calculated on an annual basis.
The benchmark interest rate is the guiding interest rate for commercial banks' deposits, loans and discounts announced by the People's Bank of China. At present, the deposit interest rate of financial institutions can be lowered 10% based on the benchmark interest rate, and the loan interest rate can be unlimited based on the benchmark interest rate.
Question 5: How to calculate the downward adjustment of benchmark interest rate of 20 13-year one-year loan 10%? The benchmark interest rate of 20 13 one-year loan is 6%, which means that the actual loan is subject to the interest rate of 5.4%.
Question 6: What does the discount mean if the benchmark interest rate rises by less than 30%? Now buying a house, the benchmark interest rate of national loans for more than five years is 0.8%, down 30%, that is.
The annual loan interest rate =6.8%*( 1-30%)= 4.76%.
The lowest loan interest rate can be as low as 4.76%, but whether anyone can get such a low discount depends on personal conditions.
Question 7: The loan agreement has come down. It says that the benchmark interest rate is lowered by 65,438+05%. What does this mean? 4.9% × (65,438+0-65,438+05%) = 4.65,438+065%.
Question 8: What does it mean for the bank's base interest rate to rise? What do you mean put it down? It's the benchmark interest rate, not the base interest rate. Up is up. At present, the interest rate of long-term loans over five years is 7.05%. Assuming the floating rate is 10%, that is, the floating rate is 0.705%, the floating rate becomes 7.755%.
Question 9: What does the central bank mean by "the proportion of loans with falling interest rates" in its monetary policy report? 5 points hello, first of all, your enterprise may be a high-quality group customer; Secondly, each bank has its own down-floating authority, which means that banks outside the policy have their own down-floating authority.
Now the downside of corporate interest rates is loose.
In addition to increasing the input of credit line, reducing the financing cost of enterprises by improving the price transmission mechanism has become one of the key measures in the State Council. The reporter saw in the opinion that in addition to making it clear that the money supply will not decrease in 2009, that is, the amount of bank credit will increase, the State Council clearly proposed to "enhance the downward elasticity of loan interest rates, improve the discount interest rate formation mechanism, and improve the interest rate system of the central bank".
"the State Council's statement is aimed at the bank's corporate loan interest rate, hoping to reduce the financing cost of current enterprises through the liberalization of interest rate policy." Guo Tianyong, director of the Banking Research Center of the Central University of Finance and Economics, said. At present, according to the regulations of the central bank, the highest interest rate of corporate loans issued by commercial banks is 10% of the benchmark interest rate, but personal loans that are also bank credit businesses have already exceeded this limit, and the interest rate of personal first home loans can now be lowered by 30%.
It is very likely that enhancing the downward elasticity of loan interest rate means that the downward range of enterprise loan interest rate 10% stipulated by the central bank will be broken in the future, and commercial banks will set their own prices according to the risk situation. "At present, all parties should still be studying, but in the future, enterprises are likely to get lower interest rate support from bank loans." Guo Tianyong said.
However, liberalizing the interest rate fluctuation range also means that the competition among banks for quality customers will be further intensified. A person from the Guangdong branch of a state-owned bank told reporters that if the central bank revises relevant policies, the profit margin of banks in terms of quality customers will be further compressed.
"To improve the formation mechanism of discount interest rate, there are two considerations. On the one hand, it is to change the price distortion caused by the underdeveloped bill market and promote commercial banks to carry out bill discount business. From the second half of last year to the beginning of this year, due to the tight credit line, banks greatly reduced the discount business; On the other hand, it may still be under study, that is, whether to remove the discount from the credit line assessment indicators and further encourage banks to provide discount loans to enterprises. " Guo Tianyong said.
It is understood that because the discount interest rate can not correctly reflect the risk status and credit rating of the market participants for a long time, and the discount business must be included in the credit scale assessment, most banks first consider compressing this part of the business when the credit line is tight, and discount accounts for a considerable proportion in most banks' trade financing or small business credit business.
I hope it helps you. Good luck!
Question 10: How much has the bank loan benchmark interest rate 15%( 1) decreased recently? The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different loan 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 June 8, 20 12. Types and annual interest rates are as follows: ① short-term loans for 6 months (inclusive) 5.85%; ② 6.31%for half a year to one year (inclusive); ③ One to three years (inclusive) 6.40%; ④ Three to five years (inclusive) 6.65%; ⑤ More than five years, 6.80%.
(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 reach up to 8.5% (down 15%). The interest rate is 6.8%*0.85=5.78% after five-year downward fluctuation 15%.