China People's Bank loan benchmark interest rate: (1) Short-term loans: within one year (including one year), and the adjusted interest rate is 4.35. (2) Medium and long-term loans: the adjusted interest rate is 4.75 for one to five years (including five years); The adjusted interest rate for more than five years is 4.90. (3) Personal housing provident fund loan: the adjusted interest rate is 2.75 for less than five years (including five years); The adjusted interest rate for more than five years is 3.25.
In order to deepen the interest rate marketization reform, improve the interest rate transmission efficiency and reduce the financing cost of the real economy, the People's Bank of China decided to reform and improve the formation mechanism of the quoted interest rate (LP) in the loan market. The relevant matters are hereby announced as follows:
1. Since August 20, 2065438+2009, the People's Bank of China has authorized the National Interbank Funding Center to announce the quoted interest rate of the loan market at 9: 30 on the 20th of each month (postponed in case of holidays), which can be inquired by the public on the websites of the National Interbank Funding Center and the People's Bank of China.
II. Loan Market Quotation Rate Quotation Banks should quote to the National Interbank Funding Center at the open market operating rate (mainly referring to the medium-term lending convenience rate) before 9: 00 on the 20th of each month (postponed in case of holidays). After removing the highest and lowest quotations, the National Interbank Funding Center calculates the quotation rate of the loan market through arithmetic average.
Third, in order to improve the representativeness of the loan market quotation rate, the types of quotation banks in the loan market quotation rate have increased from the original national banks to city commercial banks, rural commercial banks, foreign banks and private banks, and this time they have been expanded from 10 to 18, and will be evaluated and adjusted regularly in the future.
4. Expand the quoted interest rate of the loan market from the original one-phase variety 1 year to two-phase variety 1 year and more than five years. Loans with a term of 1 and a term of more than five years are priced with reference to the loan market quoted interest rate of the corresponding term, and the loan interest rates with a term of 1 and a term of 1 to five years are independently selected by the Bank.
Five, from now on, banks should mainly refer to the loan market quotation rate pricing in new loans, and adopt the loan market quotation rate as the pricing benchmark in the floating rate loan contract. The existing loan interest rate is still implemented according to the original contract. Banks may not set the implicit lower limit of loan interest rate pricing in any form through cooperative behavior.
Six, the People's Bank of China will guide the market interest rate pricing self-discipline mechanism to strengthen the supervision and management of the loan market quotation rate, evaluate the quotation quality of quotation banks, urge banks to use the loan market quotation rate pricing, and seriously deal with illegal acts that disrupt the market order such as setting the implicit lower limit of loan interest rate by banks. The People's Bank of China incorporated the application of the quoted interest rate in the loan market and the competitive behavior of the loan interest rate into the macro-prudential assessment (MPA).
Legal basis:
According to Article 26 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases, if the lender requests the borrower to pay interest at the interest rate agreed in the contract, the people shall support it, except that the interest rate agreed by both parties exceeds four times the one-year loan market listing rate when the contract is established.
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June 5438+February 2020 central bank loan benchmark interest rate
The benchmark interest rate (LPR) of central bank loans in June 5438+February 2020 is: 1 year, 3.85%, and 5-year, 4.65%. According to the relevant interest, on June 5438+February 2, 20201day, the People's Bank of China announced that the loan market quoted interest rate (LPR) 1 year was 3.85%, and it was 4.65% for five years or more. At this point, the last LPR quotation in 2020 landed, and the quotation has been put on hold for 8 months.
How to inquire about the loan interest rate of China People's Bank?
At present, the benchmark interest rate of personal commercial loans of China Bank is the same as that of China People's Bank. You can check the RMB loan interest rate table in the financial data-deposit and loan interest rate of our portal website. For details, please contact the official service hotline of China Bank at 95566. You can also contact the local people's bank directly.
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The above contents are for your reference. Please refer to the actual business regulations.
How to inquire about the personal commercial loan interest rate of China Bank?
China Bank Personal Commercial Loan Interest Rate Inquiry:
For reference interest rate, please consult BOC outlets or call BOC customer service hotline 95566.
Tips:
1. When providing personal loan services, BOC will comprehensively consider the regulatory requirements, borrower qualifications, loan purposes, guarantee methods, business costs and other factors to reasonably determine the final loan interest rate;
2. Because the above factors are quite different among different loan products, the corresponding loan interest rates are also different;
3. All loan types have benchmark interest rate, preferential interest rate and floating interest rate. When you apply for personal loan products of BOC, the loan interest rate should be consulted in detail with the local China banking institution.
The above contents are for your reference. Please refer to the actual business regulations.
How to inquire about the bank loan interest rate? You can use these channels!
For ordinary people, applying for a loan is most concerned about the interest rate, which is related to the borrowing cost. If the interest rate is too high, it will inevitably increase the heavy burden, so it is very necessary to inquire about the loan interest rate in advance. Today, we will provide several ways to query interest rates.
1, online query
This is the easiest way. You need to go to Bank official website to find specific loan products. Generally speaking, the range of loan interest rate will be marked under each product, such as the daily interest rate: about five ten thousandths, so that you can calculate the approximate annual interest rate.
1) Baidu search bank official website;
2) Go to the home page, find the product page, and click the product details.
3) Check the product interest rate. If not, you can click online customer service, enter "interest rate", select the product you want to query, and the customer service will push the interest rate range of the product.
Note: Because the interest rate is related to the borrower's personal qualification and loan policy, it is impossible to find the specific figures, and some of them will not even be marked. You need to go to the bank to consult or submit a loan application in person to show it.
2. Telephone consultation
Basically, all banking financial institutions have special customer service systems. Whether it is official website customer service, WeChat customer service, software APP customer service or telephone customer service, you can ask for specific details.
The quicker way is to find the telephone number of the bank in official website and call directly for consultation. Some will answer you directly, and some may be transferred to branches around the country, and the follow-up staff will contact you.
3. Counter consultation
This method is the most direct and effective method, because each bank's loan policy is different, and the floating standard of the benchmark interest rate is also different, so the interest rate difference is obvious. I suggest you go directly to the bank to ask, so that you can not only know the specific interest rate and quota, but also understand the whole product and business process.