From January 1 to November 21, 2014, the benchmark annual interest rates for loans announced by the People's Bank of China are as follows: within 6 months (inclusive) 5.6; 6 months to 1 year (inclusive) 6 ; 1-3 years (including 3 years) 6.15; 3-5 years (including 5 years) 6.4; more than 5 years 6.55;

November 22 - December 31, 2014, the People's Bank of China announced The loan base annual interest rate is as follows: within 6 months (inclusive) 5.6; 6 months to 1 year (inclusive) 5.6; 1-3 years (inclusive) 6; 3-5 years (inclusive) 6 ; 6.15 over 5 years.

The loan benchmark interest rate is based on the loan guidance interest rate issued by the central bank to commercial banks. It is one of the monetary policies used by the central bank to regulate social economic activities and the operation of the financial system. We must have a detailed understanding. OK, at the same time, we need to pay attention to the fact that loan interest rates are changing every moment. We must learn to pay attention to the corresponding policy sheets. Only in this way can we better protect our interests from losses. At the same time, we need to pay attention to the fact that we must prepare relevant documents when taking out a loan. Only in this way can we make a normal payment. At the same time, we must also learn to protect our personal credit in life.

1. How loan interest rates change

my country's loan interest rates are uniformly managed by the People's Bank of China. Generally speaking, bank loan interest rates will refer to the benchmark interest rates set by the People's Bank of China. To float, if we have loan needs, we must go to several banks to compare. Only by shopping around can we better protect the safety of our property. I hope everyone can know this, but we It should be noted that loan interest rates are generally higher than deposit interest rates, and the difference between the two is the main source of bank profits.

2. What should you pay attention to before applying for a loan?

Before we apply for a loan, we must have a correct understanding of our repayment ability, and we must base it on our own Design a repayment plan based on your income level, and leave appropriate room for it, so that it does not affect your normal life. At the same time, we need to pay attention to the fact that we must avoid overdue behavior in our lives. Only in this way will it not affect our personal credit report. We must read the loan contract carefully. Only by carefully reading the terms of the contract can we better understand our rights and obligations.

3. Once overdue behavior occurs, what impact will it have on our lives?

If we are unable to repay the loan in time, our personal credit report will be reported. If you want to borrow again, you will be greatly hindered. I hope everyone can pay back in time.