The latest benchmark interest rate of central bank loans in 2022
(Commercial loan unit:%)
Within one year (including 1 year)
One to five years (including five years) 4.
More than five years 4.90
(Provident fund loan unit:%)
Less than five years (including five years) 2.75
More than five years 3.25
Can you go to 99% bank loan products on WeChat to make the comparison of loan products more convenient?
2. What is the benchmark interest rate for bank loans?
Hello! The benchmark deposit and loan interest rate is the deposit guidance interest rate issued by the Central Bank (People's Bank of China), and it is one of the monetary policies used by the Central Bank to regulate the operation of social economy and financial system. Commercial banks will formulate a portfolio of deposit interest rates based on this benchmark interest rate. Raising the benchmark interest rate means shrinking credit, reducing social mobility, raising the cost of credit and slowing down economic development. or vice versa, Dallas to the auditorium
3. What is the benchmark interest rate of the central bank lpr in 2022?
This year, the central bank announced the loan market quotation (LPR) in 2022, showing that the LPR for 1 year is 3.65%, and that for five years and above is 4.3%.
This year, the central bank announced the loan market quotation (LPR) in 2022, showing that the LPR for 1 year is 3.65%, and that for five years and above is 4.3%.
Fourth, the benchmark interest rate of central bank loans in 2022.
According to the announcement of the central bank, the benchmark interest rate of the People's Bank of China is (1) short-term loans (%): within one year (including one year), and the adjusted interest rate is 4.35. (2) Medium and long-term loans (%): one to five years (including five years), and the adjusted interest rate is 4.75; The adjusted interest rate for more than five years is 4.90. It also depends on the market situation and the regulations of specific banks. 1. The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when granting loans. It is mainly divided into 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 The decisive factors of bank loan interest are: ① Bank cost. Any economic activity needs cost-benefit comparison. There are two types of bank costs: borrowing costs-prepaid interest on borrowed funds; Additional cost-the cost of normal business. ② Average profit rate. Interest is the subdivision of profit, which must be less than the profit rate, and the average profit rate is the highest limit of interest. (3) the supply and demand of borrowing money and funds. If the supply exceeds the demand, the loan interest rate will inevitably fall, and vice versa. In addition, the loan interest rate must also consider price changes, securities returns, political factors and so on. However, some scholars believe that the upper limit of interest rate should be the marginal rate of return of funds. The factor that restricts the interest rate is regarded as the comparison between the profit growth rate of enterprises after borrowing bank loans and the loan interest rate. As long as the former is not lower than the latter, it is possible for enterprises to borrow money from banks. Two. Precautions 1. When applying for a loan, the borrower makes a correct judgment on his repayment ability. Design a repayment plan according to your income level, leaving room appropriately, without affecting your normal life. 2. Choose the appropriate repayment method. There are two repayment methods: equal repayment method and equal principal repayment method. Once the repayment method is agreed in the contract, it shall not be changed during the whole loan period. 3. Repay on time every month to avoid penalty interest. From the month after the loan is initiated, it is generally the repayment date of the next month. Don't cause liquidated damages because of your negligence, so that banks can't apply for loans again. 4. Take good care of your contracts and IOUs, read the terms of the contracts carefully, and know your rights and obligations. Only in this way can we guarantee our legitimate rights and interests and give full play to our money.