Rmb loan interest rate table annual interest rate 1. Short-term loans for six months (inclusive) 4.86 six months to one year (inclusive) 5.3 1 2. Medium and long-term loans for one to three years (inclusive) 5.40 Three to five years (inclusive) 5.76 More than five years 5.94 3. Discount is determined with the rediscount rate as the lower limit.
II. Loan interest rates of major banks in 2020
In 2020, the loan interest rates of major banks are: short-term loans of the central bank, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China and China Construction Bank within one year, medium-and long-term loans of more than one year to five years, loans of more than five years, 4.9%, loans of less than five years, 2.75% and loans of more than five years, 3.25%. The interest rate of short-term loans in bank of dalian is 5.35% for one year or less, 5.75% for medium-and long-term loans for one year or more to five years, 5.9% for loans for five years or more, 4% for loans for personal housing provident fund for five years or less and 4.5% for loans for more than five years.
What is the mortgage interest rate of major banks in 2020?
Table of mortgage interest rates of major banks in 2020:
The bank's loan interest rate is 4.35% within one year (inclusive) and 9% over five years. When the mortgage interest rate fails, the floating interest rate is adopted, that is, LPR is used as the pricing benchmark, and PR will change after the calculation of the basis point. The interest rate of LPR in 2020 is: 3.85% a year; The five-year period is 4.65%.
Extended data:
Bank mortgage interest is generally calculated by the fluctuation of the central bank's benchmark interest rate. Take different bank mortgage interest rates as an example:
1. The interest rate of China, industry, agriculture, construction, bidding and bidding will rise 10% (interest rate of 5.39% for five years or more), and the interest rate of second home will rise 15% (interest rate of 5.5% for five years or more).
2. Bank of Communications: the interest rate of the first suite rises 15% (5.635% for more than five years), and the interest rate of the second suite rises by 20% (5% for more than five years).
3. Industrial Bank: the interest rate of the first suite rises 15% (5.635 for five years and 6.86% for five years).