Ping An Bank RMB loan interest rate table
Project annual interest rate
benchmark interest rate
Within one year (including one year): 4
Second, medium and long-term loans
One to five years (including five years): 4.75%
More than five years: 4.90%
Three. Personal housing surplus
Less than five years (including five years): 2.6%
More than five years: 3. 1%
Note: This interest rate statement is subject to the notice of business outlets.
Since June 5438+1 October1day, 2022, the central bank has lowered the interest rate of the first set of personal housing provident fund loans by 0. 15, and adjusted the interest rates of two sets of personal housing provident fund loans unchanged, that is, the interest rates for less than five years (including five years) and more than five years are not less than 35% respectively.
2022 Ping An Bank Mortgage Interest Rate Table Inquiry
According to the latest LPR, in 2022 10, loans with a term of more than 5 years are mainly targeted at the 5-year LPR, with a benchmark of 4.
According to the notice issued by the central bank on May 15, 2022, the lower limit of commercialization of the first set of housing was adjusted to not less than the quoted interest rate of the loan market minus 20 basis points in the same period, and the second set of housing was commercialized.
Before the adjustment, the lower limit of the first home loan interest rate is the corresponding interest rate LPR, and the second set is the latest loan market quotation (LPR) LPR)lpr 600 days. The LPR of 1 year is 3.65%, and the LPR of more than 5 years is 4.3%.
Second, the mortgage interest rate of Ping An Bank is adjusted once a year.
Ping An Bank's mortgage interest rate has two adjustment times, one is 65438+ 10/month 1, and the other is the re-pricing date. It is necessary to determine which one to use according to the calculation method of loan interest rate.
Starting from 65438+ 10/month 1 every year, the central bank and the China Banking Regulatory Commission jointly adjust the LPR interest rate, and the bank's mortgage benchmark interest rate also needs to be adjusted with this adjustment. The adjustment rules are generally recalculated according to LPR plus 65438+ February 20th last year.
Third, when will the bank loan interest rate be lowered and the mortgage be adjusted?
Applying for a personal housing loan at China Merchants Bank depends on the provisions on the interest rate adjustment method in the loan agreement you signed, and each customer's situation is different. Some are adjusted in the following year, some are not adjusted, and some are adjusted in the next period. You can check the agreement in the loan contract, or call the customer service hotline to enter the 2- 1-4 manual service inquiry (service time: 8:30- 18:00 on weekdays).
4. Is it legal for Ping An Bank to raise interest rates?
It is generally legal for Ping An Bank to raise interest rates, because the bank's business activities are supervised by China Banking and Insurance Regulatory Commission. Therefore, Ping An Bank's interest rate increase must be implemented in accordance with relevant laws, regulations and policies, otherwise it is illegal and will be punished by China Banking and Insurance Regulatory Commission. Every move of the bank will affect the stability of the financial market and the stability of people's lives.