June 5438+February 3, 20221The increase in loan interest rate is untenable. 1 65438+1October 2 1, the latest LPR (loan market quotation) is released,1year LPR is 3.65%, and it is 4.3% for five years and above. Both varieties are consistent with last month, which basically meets many people's expectations. It can be inferred that the mortgage interest will not be raised in June 2022.
Why is the mortgage interest rate raised?
The bank recalculated the monthly repayment amount according to your loan balance, so the repayable principal increased in June 5438+ 10, and the interest was paid in installments. The interest before 2012 65438+February 3 1 is calculated at the previous interest rate, and the interest after that is calculated at the adjusted interest rate. Therefore, in the first month of the second year after the general interest rate adjustment, when the interest rate falls, the amount payable will rise, and when the interest rate rises, the amount payable will fall.
For individual housing loans with non-fixed interest rate (including commercial loans and provident fund) whose loan term exceeds 1 year, if the legal interest rate is adjusted during the loan period, the new interest rate of the corresponding interest rate grade will be implemented from 1 next year.
After the loan interest rate is adjusted, the loan interest will be calculated by stages in June 5438+ 10, that is, the loans before June 5438+ 10/are calculated at the interest rate before adjustment, and the loans after that are calculated at the adjusted new interest rate. Loans in February and subsequent months will bear interest at the new loan interest rate.
Interest rate refers to the ratio of the interest amount due in each period to the par value of the borrowed, deposited or borrowed amount (called the total principal). The total interest of the lent or borrowed amount depends on the total principal, interest rate, compound interest frequency and the length of time of lending, deposit or borrowing. Interest rate is the price that the borrower needs to pay for the money borrowed, and it is also the return that the lender gets by delaying his own consumption and lending it to the borrower. The interest rate is usually calculated by the percentage of one-year interest to the principal.
Generally speaking, interest rates are expressed by annual interest rate, monthly interest rate and daily interest rate.
In modern economy, interest rate, as the price of capital, is not only restricted by many economic and social factors, but also has a great influence on the whole economy.
Therefore, modern economists pay special attention to the relationship between various variables and the balance of the whole economy when studying the decision of interest rate. Interest rate determination theory has also experienced the evolution and development of classical interest rate theory, Keynesian interest rate theory, loanable funds interest rate theory, IS-LM interest rate analysis and contemporary dynamic interest rate model.
Keynes believed that savings and investment are two interdependent variables, not two independent variables.
In his theory, the money supply is controlled by the central bank and is an exogenous variable without interest rate elasticity. At this time, the demand for money depends on people's psychological "liquidity preference".
Then loanable funds's interest rate theory is the interest rate theory of neoclassical school, which was put forward to revise Keynes's "liquidity preference" interest rate theory. To some extent, loanable funds's interest rate theory can actually be regarded as the synthesis of classical interest rate theory and Keynesian theory.
Hicks, a famous British economist, and others think that the above theory does not consider the income factor, so it is impossible to determine the interest rate level, so they put forward the IS-LM model based on the general equilibrium theory in 1937. Thus, a theory that interest rate and income are determined simultaneously under the interaction of savings and investment, money supply and money demand is established.
202 1 will the bank loan interest rate be raised?
Bank interest is related to the economic situation. Generally, when the economy is overheated, in order to withdraw capital, deposit interest will be raised. The economy is still at a low stage and will not raise interest rates. On March 22, 20021year, the central bank announced the latest LPR quotation for March 20021year. 1 The interest rate is 3.85%, and the 5-year interest rate is 4.65%, which is the same as last month. This is 1 1 month since the fall of LPR in April 2020.
202 1 loan interest rate of major banks
1. ICBC: 202 1, and the interest rate of short-term loans (within six months, including six months) is 4.35%; The loan interest rate for half a year to one year (including one year) is 4.35%. The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%. If it is a provident fund loan, the loan interest rate for less than five years (including five years) is 2.75%; The loan interest rate for more than five years is 3.25%.
2. Agricultural Bank: 202 1, and the interest rate of short-term loans (within six months, including six months) of Agricultural Bank is 4.35%; The loan interest rate for one year to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9%. For individual housing provident fund loans, the loan interest rate for five years and below is 2.75%, and the loan interest rate for five years and above is 3.25%.
3. China People's Bank: 202 1 China People's Bank loan interest rate is 4.35% within one year (including one year), 4.75% within one to five years (including five years) and 4.9% over five years. For individual housing provident fund loans, the loan interest rate for five years and below is 2.75%, and the loan interest rate for five years and above is 3.25%.
4. Bank of Communications: 202 1, the loan interest rate of Bank of Communications is 4.35% within one year (including one year), 4.75% for one to five years (including five years), and 4.9% for loans over five years.
5. China Construction Bank: 202 1, China Construction Bank's short-term loan (within six months, including six months) interest rate is 4.35%; The loan interest rate for one year to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9%.
6. Postal Savings Bank: 202 1, and the loan interest rate of Postal Savings Bank (within six months, including six months) is 4.35%; The loan interest rate for one year to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9%.
7. Central Bank: 202 1, and the interest rate of short-term loans (within 6 months, including 6 months) of the central bank is 4.35%; The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%. For individual housing provident fund loans, the loan interest rate for five years and below is 2.75%, and the loan interest rate for five years and above is 3.25%.
What does "the bank raises interest rates" mean?
This question is too broad. Let's get to the point:
1, the bank raised the deposit interest rate, which increased the operating cost for the bank; Raising the loan interest rate means increasing income. Generally speaking, business income will not be affected, but it also depends on the deposit and loan structure of each bank.
2. The adjustment of deposit and loan interest rates depends on which grade, whether it is current interest rate adjustment or regular interest rate adjustment, mortgage interest rate adjustment or other grade loan interest rate adjustment. Different grades of interest rate adjustment have different effects on business.
3. Does the bank adjust the interest rate by itself? At present, China has not implemented interest rate marketization, and the interest rate of commercial banks is regulated by the People's Bank of China. One of the purposes of raising interest rates by the central bank is to curb inflation, that is, to reduce the amount of money in the market.
I wonder if that's what you want to ask.
How much interest is the loan now, and when will it be adjusted?
At present, the benchmark interest rate is 4.35% for one year, 4.75% for 2-5 years and 4.90% for more than 5 years.
The benchmark interest rate for loans from 20 16 to 2020 has not been adjusted, and the interest rate standard issued on 20 15 10 is as follows:
1. Bank loan benchmark interest rate: 4.35% within one year (including one year); 4.75% for one to five years (including five years); More than five years, 4.90%.
2. Benchmark interest rate of provident fund loans: 2.75% for less than five years (including five years); More than five years, 3.25%.
1. Short-term loan, 4.35% within one year (including one year).
Two. Medium and long-term loans, 4.75% for one to five years (including five years) and 4.90% for more than five years.
Three. The annual interest rate of individual housing provident fund loans is%, 2.75% for less than five years (including five years) and 3.25% for more than five years.
The People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from 20 15124, to further reduce the social financing costs. Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to 1.5%.
The benchmark interest rates of other grades of loans and deposits and the lending rates of the People's Bank of China to financial institutions shall be adjusted accordingly; The interest rate of individual housing provident fund loans remains unchanged.
On February 8, 20 1 1, the People's Bank of China decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from February 9, 201/. The benchmark interest rates for one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively, and the benchmark interest rates for other grades of deposits and loans were adjusted accordingly.
On February 25th, 20 10, the People's Bank of China decided to adjust the benchmark interest rate of bank loans to the benchmark interest rate of RMB deposits and loans of financial institutions from February 26th, 20 10. The benchmark interest rates for one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively, and the benchmark interest rates for other grades of deposits and loans were adjusted accordingly.
201019 Since 201010, the interest on bank loans has been raised to the benchmark interest rate of RMB deposits and loans of financial institutions. The benchmark interest rate for one-year deposits of financial institutions was raised by 0.25 percentage points, from the current 2.25% to 2.50%; The benchmark interest rate for one-year loans was raised by 0.25 percentage points, from the current 5.3 1% to 5.56%; The benchmark interest rates for other grades of deposits and loans will also be adjusted accordingly.
Will mortgage interest rise and monthly payment rise?
The adjustment of the benchmark loan interest rate does not affect the repaid interest rate and principal, but only the amount to be repaid.
Corresponding to the benchmark interest rate for loans is the benchmark interest rate for deposits. At present, the benchmark interest rates for current deposits are 0.35%, three-month deposits are 1. 1%, six-month deposits are 1.3%, one-year deposits are 1.5%, and two-year deposits are 2./kloc-0.
If the interest rate rises, the burden of buying a house will definitely increase. Based on the commercial loan of 6,543,800 yuan and the loan period of 30 years, the monthly payment for the first suite is 5,307 yuan when the benchmark interest rate is implemented; If the interest rate rises 10%, the interest rate will be raised to 5.39%, and the monthly repayment amount will be 5609 yuan. That is to say, if the interest rate rises 10%, the house buyer will pay more for the mortgage in 720 yuan for 30 years 108.
Extended data
The rise in mortgage interest rate will not only increase the burden on those who want to buy a house, but also affect those who have already bought a house. This problem should start with the current domestic mainstream mortgage interest rate model.
Mortgage interest rates are divided into floating interest rates and fixed interest rates.
Floating interest rate: refers to the floating system of mortgage interest rate, and the housing loan interest rate is adjusted in time according to the change of the benchmark interest rate of the central bank. This kind of mortgage is a common one at present.
Features: when the benchmark interest rate is raised (the central bank raises interest rates), the interest on future repayment will increase; On the contrary. If the benchmark interest rate is lowered (the central bank cuts interest rates), the interest on future repayment will be reduced.
Fixed interest rate: refers to the individual housing loan whose loan interest rate does not change with the adjustment of central bank interest rate or the change of market interest rate within the agreed period.
Features: the interest rate remains unchanged, the repayment amount is determined, and the risk is locked.
At present, most of China adopts floating interest rates. Even the fixed interest rate will be adjusted every 1~3 years, that is to say, there is basically no complete fixed interest rate in China.
The current interest rate hike is not a change in the benchmark interest rate, but a rise in the benchmark interest rate, so it will not affect people who have already borrowed money to buy a house.