In fact, since 2005, the personal housing loan interest rate has been subject to the commercial loan interest rate standard, that is, the lower limit management has been realized, and the corresponding loan interest rate is 0.9 times of the benchmark loan interest rate for the same period. The current commercial loan interest rate is roughly as follows: within 6 months, the loan interest rate of 5.85% will be implemented; The one-year loan interest rate is 6.31%; For loans within three years, the interest rate standard is 6.4%. The above loan interest rates are all benchmark interest rates. At the same time, compared with 20 1 1, the current commercial loan interest rate has been lowered to some extent. In addition, in the process of granting commercial loans, banks tend to rise according to the credit status of borrowers. Among them, the real interest rate of commercial loans of large commercial banks will generally rise by more than 10% than the benchmark interest rate, while the commercial loan interest rate of listed joint-stock banks will often rise by 20-30%. For small business loans and small loans that cannot provide collateral, the loan interest rate can even reach an astonishing 60% in some cities. To sum up, there is no fixed implementation standard for commercial loan interest rate at present, and it often fluctuates on the basis of the benchmark interest rate. As for the specific floating ratio, it depends on the borrower's credit standing. The current loan interest rate in China is as follows: 1. Short-term loans
Six months (inclusive)
4、8、6、%
Six months to one year (inclusive) 5.3 1,%
Second, medium and long-term loans
One to three years (inclusive) 5.40%
Three to five years (inclusive)
5、7、6、%
More than five years.
5、9、4、%
3. The monthly interest of 1 ten thousand is1ten thousand * 5.4%/65438+February = 4500 yuan.