What is the mortgage interest rate in 2008? From 2007 to 2008, banks
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What is the mortgage interest rate in 2008? From 2007 to 2008, banks
From: Network Date: April 30, 2022
165438+1.081On October 27th, the benchmark interest rate for mortgages over five years was 6. 12%, and the monthly interest rate was 5. 12, except for the annual interest rate. Enjoy a 30% discount on the first home loan, with an annual interest rate of 6. 12. In order to cope with the possible impact of the international financial crisis on China, at the same time, in order to expand domestic demand and strengthen residents' confidence in buying ordinary self-occupied housing, the central bank specially issued the announcement of "expanding the downward rate of commercial personal housing loan interest rate for the first time and supporting residents to buy ordinary housing". According to the announcement, the central bank decided to expand the lower limit of commercial personal housing loan interest rate to 0.7 times the benchmark loan interest rate from June 27th 10. The minimum down payment ratio is adjusted to 20%. Individuals who have applied for loans before and enjoyed preferential treatment (15% discount), implemented on June 5438+ 10/2009. It's the same all over the country.
Interest rate table for loans from financial institutions to customers will be implemented on April 28th, 2006: monthly interest rate (‰) annual interest rate (%) 1. Short-term loans for less than six months (including six months) 4.55.58 Six months to one year (including one year) 4.8756. 12 2 2. Medium-and long-term loans for one to three years (including three years) Penalty interest of 30%-50% will be charged for overdue loans and 50%- 100% for misappropriation loans. Personal housing loan (1) Personal housing provident fund loan for less than five years (including five years) 3.454. 14 More than five years 3.8254.59 (2) Interest rate of general personal loan (March 17, 2005, China People's Bank canceled the preferential interest rate of commercial banks for personal account housing loans and implemented it according to the commercial loan interest rate. Therefore, if this interest rate is implemented for individual housing in the mortgage interest rate) within 6 months (including 6 months), 4.55.406 months to 1 year (including 1 year), 4.8755.85 1 year to 3 years (including 3 years) and 5.
What is the bank's loan interest rate in 2007-2008? By the end of 2007, the loan interest rate was 6.57% within six months, 7.47% from six months to 1 year, 7.56% from 1 year to three years, 7.74% from three to five years, and 7.83% from five years or more.
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Changes in interest rates of housing loan banks in 2008: Before September 2008, the benchmark interest rate of loan term 15 was 7.83%, the interest rate of housing loan banks with preferential policies was 6.655%, and the interest rate of housing loan banks rose to 8.6 13%. After September 2008, the interest rate of the housing loan bank was adjusted five times in a row. ...
Bank loan interest rate in 2008: According to the latest annual benchmark loan interest rate published by China People's Bank on October 27th, 2008, it is 5.04% in six months, 5.58% in 1-3 years, 5.67% in 3-5 years and 5.94% in 5 years. ...
What is the latest personal housing loan interest rate in 2008? -Annual interest rate% 1. Short-term loans for six months (inclusive) 6.57 Six months to one year (inclusive) 7.47 2. Medium and long-term loans for one to three years (inclusive) 7.56 Three to five years (inclusive) 7.74 More than five years 7.83 3 3. On the basis of the rediscount rate, it shall not exceed the discount rate. ...
The latest personal mortgage interest rate table in 2008? Take the loan amount 10000 yuan as an example. The benchmark interest rate (%), monthly repayment amount 15%(%) goes down. The monthly repayment amount (RMB) is 65,438+07. 46860.88868686667 ...
Benchmark interest rate of Bank of China loans in 2008: The adjusted interest rate of June 65438+February 2, 20071was implemented in May 2008. The interest rate for short-term loans over six months (inclusive) is 6.57%, and the interest rate for short-term loans over six months to one year (inclusive) is 7.47%. The medium and long-term loan interest rate for one to three years (inclusive) is 7.56% for three to five years (inclusive).
Is the personal housing loan interest rate 6.655% in 2008? Since June 30, 2008, the housing loan for more than five years has been lowered by 0.27 percentage points again, and now the latest one is 7.20. On June 65,438 438+ 10/October 65,438+0, 2008, the first purchase of commercial housing below 90 square meters can be reduced by 30 on the basis of the benchmark interest rate of 7.20.
What is the annual interest rate of bank housing loan in 2008? -:The housing deposit and loan interest rate will be implemented on June 27th, 2008+165438. I. Annual interest rate of housing deposits% (1) Individual housing provident fund deposits collected in the current year and listed on the settlement date bear interest at the deposit rate, and are carried forward from the previous year at the three-month lump-sum deposit rate. The settlement funds of the housing fund management center in the special account of the entrusted bank are in units. ...
Interest rate of bank loans in 2008-:From April 28th, 2006, the table of interest rates for loans from financial institutions to customers will be implemented. Monthly interest rate (‰) Annual interest rate (%) 1. Short-term loans for less than six months (including six months) 4.55.58 6 months to one year (including one year) 4.8756. 12 2. A one-year long-term loan. ...
In 2008, the installment interest rate of bank mortgage-:the commercial loan interest rate was 7.83%, which was lowered by 15%, that is, 6.6555%. This is the preferential interest rate of 5.22% of the provident fund loan interest rate, and it will not go up 1. Ask the landlord to give a formula reference: enter =-PMT (rate/65438+) in the cell of EXCEL. ...
What is the interest on housing loan in 2008? -:The benchmark interest rate for bank loans with a term of more than five years is 7.47%, which generally falls, with the highest drop of 30%.
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Is the loan interest rate of rural rural commercial bank 9.6 in 2008?
No, in 2008, the loan interest rate of rural rural commercial banks was not 9.6. What is the annual loan interest rate? Depending on what kind of loan you are applying for, the loan interest rate of rural credit cooperatives was relatively high, with an annual interest rate of about 9%.
Bank interest rate in 2008
The interest rates of bank deposits in 2008 are as follows:
Project annual interest rate%
1. Urban and rural residents and unit deposits (1) demand deposits of 0.72; (2) Time deposit.
1. lump sum deposit and withdrawal
Three months 3.33 half a year 3.78
One year 4. 14 two years 4.68 three years 5.40 five years 5.85
2. lump-sum deposit and withdrawal, deposit and interest.
One year 3.33 three years 3.78 five years 4. 14
3. Fixed-income and double-income loans will be discounted at the same interest rate regularly within one year.
Two. Agreed deposit 1.53
3. Notice deposit.
One day 1. 17 Seven days 1.05438+0
(The picture is for reference only)
Extended data
The deposit interest rate is the ratio of interest amount to deposit amount in a certain period. Also known as deposit interest rate. Is the standard for calculating deposit interest. There are annual interest rate, monthly interest rate and daily interest rate (also called annual interest rate, monthly interest rate and daily interest rate). China's deposit interest rate is determined by the state according to objective economic conditions, currency circulation, supply and demand of market materials and taking into account the interests of all parties.
The annual interest rate is expressed as a percentage of the principal, and the monthly interest rate is expressed as a percentage of the principal; The daily interest rate is expressed as a few ten thousandths of the principal. Our country is used to calling interest rates cents. The deposit interest rate is an economic lever for banks to absorb deposits, and it is also an important factor affecting the cost of banks.
The interest rate of time deposit refers to the rate of return paid by the bank to depositors as a reward for regularly depositing deposits in the bank.
Time deposit is a kind of deposit in which the bank and the depositor agree on the term and interest rate in advance at the time of deposit and withdraw the principal and interest after maturity. It has the characteristics of minimum deposit period of 3 months, maximum deposit period of 5 years, wide choice and stable interest income.
Interest calculation
Interest rates are divided into simple interest rates and compound interest rates:
Interest I=Pin, where I stands for interest, I stands for interest rate, and n stands for deposit period. China adopts a simple interest calculation method.
① Simple interest method.
Interest = principal × interest rate × term.
② Compound interest method
(Used to calculate interest during automatic renewal)
F=P×( 1i)N (power) (f: the final value of compound interest. P: the headmaster. I: interest rate. N: an integer multiple of the interest rate acquisition time. )