Bank of China loan interest rate

List of Bank of China loan interest rates in 222

List of benchmark loan interest rates of China Bank in 222

Project annual interest rate %

benchmark interest rate

I. Short-term loans

within one year (including one year) 4.35

II. Medium-and long-term loans

. The annual interest rate of individual housing provident fund loans is %

less than five years (including five years) 2.75

more than five years 3.25

Note: The interest rates in this interest rate table are for reference only, and the details are subject to the notice of business outlets

Requirements for loan conditions of Bank of China

There are different types of loans in China, and the application conditions for different types of loans are different. Take personal credit loans of China Bank as an example.

2. The borrower has a stable job and income, and has the ability to repay the loan principal and interest on schedule;

3. The borrower abides by the law and has no illegal acts or bad credit records;

4. The borrower opens a personal settlement account in China Bank;

5. Meet other requirements of China Bank.

Reference interest rate for RMB loans of China Bank in p>222

Annual interest rate (%) of the project will be implemented from October 24, 215

I. Short-term loans

Within six months (including six months) 4.35

Six months to one year (including one year) 4.35

II. Medium-and long-term loans

one to three years (including three years) 4.75

three to five years (including five years) 4.75

more than five years 4.9

Third, personal housing provident fund loans

less than five years (including five years) 2.75

more than five years 3.25

Bank of China. However, housing prices are rising day by day. In order to realize their dream of buying a house, most people will use loans to buy a house. Buying a house by loan means paying the monthly mortgage every month, and the interest rate will determine the monthly mortgage. The following small series will introduce you to the latest Bank of China housing loan interest rate in 216.

the latest housing loan interest rate of BOC in p>216

1. Housing deposits

(1) Personal housing provident fund deposits

.35% collected in the current year

1.1% carried forward from the previous year

(the deposited funds in the special account of the entrusted bank by the housing fund management center bear interest at the interest rate of the corresponding term and grade of the unit deposits)

(2) Other housing. More than five years, 3.25%.

(II) Self-operated housing loans of commercial banks

1. Housing development loans: implemented with reference to the central bank loan interest rates of corresponding grades.

2. individual housing loan: refer to the central bank loan interest rate of the corresponding grade.

(III) Individual housing loans overdue

The interest rate of individual housing in loans overdue is 3%-5% higher than the loan interest rate stated in the loan contract.

introduction of personal housing loan

commercial loans, also known as personal housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use, and the legal loan interest rate is implemented. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same.

Commercial loans for individual housing are self-operated loans issued by banks with their credit funds. Specifically, it refers to a commercial housing loan that a natural person with full capacity for civil conduct applies to the bank as a guarantee to repay the loan with the purchased property housing (or other guarantee methods recognized by the bank) as collateral when purchasing the urban self-occupied housing in this city. Mortgage loan is one of the commercial loans. Personal housing commercial loan is a kind of loan that Chinese citizens apply to the bank for buying commercial housing. According to the relevant bank regulations, anyone who meets one of the following two conditions can apply for loan varieties: first, residents who participate in housing savings; Second, there is an agreement between the housing seller and the loan bank that the real estate guarantee enterprise will provide guarantee to the bank for the residents' house purchase loan.

commercial loans refer to the proportion of the guarantee balance of housing home purchase guarantee institutions that provide guarantees for commercial loans at the end of the statistical period.

This is the latest housing loan interest rate of BOC in p>216. The housing loan interest rate of BOC is not fixed, but will change from time to time with the adjustment of central bank policies. Therefore, buyers should not think that the current housing loan interest rate of BOC is relatively low, so it will remain at this interest rate in the future. In addition to China Bank, China Construction Bank, Bank of Communications, Industrial and Commercial Bank and other banks can apply for housing loans. Property buyers can compare the interest rates of major banks to see which one is more affordable.

what is the interest rate of bank loans in China in p>216?

4.35%, 4.75% and 4.9%. Bank of China is a state-owned bank. In 216, the loan interest rate was 4.35% for six months to one year. The loan interest rate for one to five years including five years is 4.75%; The loan interest rate for more than five years is 4.9%.

RMB loan interest rate table of China Bank in p>216

What is the expected annualized loan interest rate? The expected annualized loan interest rate refers to the ratio of the interest amount to the principal amount within the loan term. The expected annualized interest rate in China is managed by the People's Bank of China, and the expected annualized interest rate determined by the People's Bank of China is implemented after being approved by the State Council.

The expected annualized interest rate of loans directly determines the distribution ratio of profits between loan enterprises and banks, thus affecting the economic interests of both lenders. The expected annualized interest rate of loans varies with the types and duration of loans, and is also related to the scarcity of loan funds.

what is the expected annualized interest rate of bank loans in China? The expected annualized interest rate of bank loans in China is raised or lowered on the benchmark expected annualized interest rate of the central bank, but it will generally rise, and the rise rate is not small, especially for individuals. The following is a list of the expected annualized interest rate of Bank of China's loan in 216:

What is the interest rate of China Bank's housing loan in 216

Please log on to the official website of Bank of China (), click on Financial Data-Deposit/Loan Interest Rate in the middle right of the home page, and select Loan Interest Rate Historical Data according to the currency to query.

the above contents are for your reference. please refer to the actual business regulations.