The basic information is as follows:

I. Loan interest rate: annual interest rate of the project (%)

I. Short-term loans within one year (including one year) 4.35

Two, medium and long-term loans for one to five years (including five years) 4.75 more than five years 4.90

3. The annual interest rate of provident fund loans is% less than five years (including five years) 2.75 more than five years 3.25 According to the regulations of the People's Bank of China, the loan interest rates of banks are freely floating, so the loan interest rates of various loans of banks will be different, and the interest required for loans will be more or less.

Five-year bank loan interest rate

The benchmark interest rate for five-year loans is 4.75%, and the benchmark interest rate for loans over five years is 4.9%. The bank will adjust the loan interest rate according to the actual situation of the borrower.

At present, PBOC has announced the benchmark annual interest rate of loans: 0-6 months (including 6 months), with an annual interest rate of 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; 5-30 years (including 30 years), with an annual interest rate of 4.90%; The benchmark interest rate for a five-year loan is 4.75%, but the bank will adjust the loan interest rate according to the actual situation of the borrower.

The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when they issue loans. There are roughly three categories: the loan interest rate of the central bank to commercial banks; The loan interest rate of commercial banks to customers; Interbank lending rate

Legal basis:

Provisions of the Supreme People's Government on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 26 If the interest rate agreed by both borrowers and lenders does not exceed 24% per annum, and the lender requests the borrower to pay interest at the agreed interest rate, the people shall support it.

The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid.

If the borrower requests the lender to return the interest paid in excess of 36% per annum, the people shall support it.

What's the interest rate for a five-year loan?

What's the interest rate for a five-year loan?

At present, the loan application period is more than five years, and the benchmark annual interest rate given by the central bank is 4.9%. The six-month interest rate of short-term loans is 4.86%; The annual interest rate for six months to one year is 5.3 1%, and the annual interest rate for medium and long-term loans is 5.40% for one to three years, 5.76% for three to five years, and 5.94% for more than five years.

How to borrow money to buy a house

1. Submit a loan application

After signing the house sales contract, you can apply for a loan from the bank. Whether it is a first-hand mortgage or a second-hand mortgage, it must be submitted to the bank for approval, which is the most important step in the loan process.

2. The bank is under investigation.

After the bank receives the loan application materials, it will review them. The review time is generally 15 working days, and the longest is not more than 1 month. During this period, the bank will ask the applicant to supplement some information according to the situation, so the loan applicant needs to keep in touch with the bank during this period.

3. Bank verification and approval

After that, the bank will verify and approve the housing situation and the borrower's qualification and credit, which is an important link in the loan process. If the loan applicant has bad credit, it will lead to loan failure, so it is necessary to ensure good personal credit at ordinary times.

4. Both parties shall go through relevant formalities.

After the loan is approved, the applicant needs to open an account in a bank, get a debit card, sign a loan contract, and go through relevant guarantee procedures such as mortgage, guarantee, pledge and insurance. When signing a loan contract, it is necessary to know the contents of the contract in detail, clarify the rights and obligations, and avoid unnecessary misunderstandings.

5. Banks issue loans.

After all the loan procedures are completed, the bank will transfer the loan funds into the account of the real estate developer, and the loan relationship will be established, and then the lender will repay the loan according to the regulations.

Bian Xiao concluded: The above is about the five-year loan interest rate. I believe everyone understands! Generally speaking, the longer the loan time, the higher the interest rate, so everyone should consider the loan time clearly when buying a house with a loan.

What is the 5-year interest rate for commercial loans?

Legal analysis: If you want to apply for a five-year personal business loan in a bank, the interest rate of the business loan is 4.75%.

Legal basis: Provisions on the Administration of RMB Interest Rate

Twentieth short-term loans (within one year, including one year), according to the legal loan interest rate of the corresponding grade on the date of signing the loan contract. During the loan contract period, in case of interest rate adjustment, interest will not be calculated by installments. Short-term loans are settled quarterly, and the 20th day of the last month of each quarter is the settlement date; If the interest is settled on a monthly basis, the 20th of each month is the interest settlement date. The specific interest settlement method shall be determined by the borrower and the lender through consultation. Interest that cannot be paid on schedule during the loan period shall be compounded quarterly or monthly according to the loan contract interest rate, and after loans overdue, at the default interest rate.