Adjustment time 20 17. 1. 1
Within half a year (including half a year) from half a year to one year (including one year) 4.35
One to three years (including three years) three to five years (including five years) 4.75
More than five years 4.9
The benchmark deposit and loan interest rate is the loan guidance interest rate issued by the central bank to commercial banks, 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
1 20 15- 10-24 4.35 4.35 4.75 4.75 4.90 2.75 3.25
2 20 15-08-26 4.60 4.60 5.00 5.00 5. 15 2.75 3.25
3 20 15-06-28 4.85 4.85 5.25 5.25 5.40 3.00 3.50
4 20 15-05- 1 1 5. 10 5. 10 5.50 5.50 5.65 3.25 3.75
5 20 15-03-0 1 5.35 5.35 5.75 5.75 5.90 3.50 4.00
6 20 14- 1 1-22 5.60 5.60 6.00 6.00 6. 15 3.75 4.25
7 20 12-07-06 5.60 6.00 6. 15 6.40 6.55 4.00 4.50
8 20 12-06-08 5.85 6.3 1 6.40 6.65 6.80 4.20 4.70
9 20 1 1-07-07 6. 10 6.56 6.65 6.90 7.05 4.45 4.90
10 20 1 1-04-06 5.85 6.3 1 6.40 6.65 6.80 4.20 4.70
1 1 20 1 1-02-09 5.60 6.06 6. 10 6.45 6.60 4.00 4.50
12 20 10- 12-26 5.35 5.8 1 5.85 6.22 6.40 3.75 4.30
13 20 10- 10-20 5. 10 5.56 5.60 5.96 6. 14 3.50 4.05
14 2008- 12-23 4.86 5.3 1 5.40 5.76 5.94 3.33 3.87
15 2008- 1 1-27 5.04 5.58 5.67 5.94 6. 12 3.5 1 4.05
16 2008- 10-30 6.03 6.66 6.75 7.02 7.20 4.05 4.59
17 2008- 10-27 6. 12 6.93 7.02 7.29 7.47 4.05 4.59
18 2008- 10-09 6. 12 6.93 7.02 7.29 7.47 4.32 4.86
19 2008-09- 16 6.2 1 7.20 7.29 7.56 7.74 4.59 5. 13
20 2007- 12-2 1 6.57 7.47 7.56 7.74 7.83 4.77 5.22
2 1 2007-09- 15 6.48 7.29 7.47 7.65 7.83 4.77 5.22
22 2007-08-22 6.2 1 7.02 7.20 7.38 7.56 4.59 5.04
How to calculate the benchmark interest rate of similar loans in the same period of China People's Bank?
How to calculate the benchmark interest rate of similar loans in the same period of China People's Bank?
The interest calculation formula is mainly divided into the following four situations. First, the basic formula for calculating interest. The basic formula for calculating the interest of savings deposits is: interest = principal × deposit period × interest rate;
The second is the conversion of interest rate, in which the conversion relationship among annual interest rate, monthly interest rate and daily interest rate is: annual interest rate = monthly interest rate × 12 (month) = daily interest rate ×360 (day); Monthly interest rate = annual interest rate ÷ 12 (month) = daily interest rate ×30 (days); Daily interest rate = annual interest rate ÷360 (days) = monthly interest rate ÷30 (days). In addition, the use of interest rates should be consistent with the deposit term;
III. Starting point of interest calculation formula, 1, starting point of interest of savings deposit is RMB, and no interest is paid for points below RMB; 2. The interest amount shall be calculated to one decimal place and rounded to one decimal place when actually paid; 3. Except for current savings, which are settled on an annual basis and interest can be converted into principal, all other savings deposits, regardless of the duration, are paid with the principal at the time of withdrawal, excluding compound interest;
Fourth, the calculation of the deposit period is in the interest calculation formula, 1, and the calculation of the deposit period adopts the method of not counting the first number and the last number; 2. Every month is counted as 30 days, regardless of big month, small month, flat month and leap month, and every year is counted as 360 days. 3. The maturity date of all kinds of deposits shall be calculated annually and monthly. If the account opening date is the missing date of the due month, the last day of the due month is the due date.
What is the benchmark interest rate of China People's Bank for similar loans in 20 17 years?
You can check our benchmark interest rate through the RMB loan interest rate table in our portal "Financial Data"-"Deposit and Loan Interest Rate". For details, please contact the official service hotline of China Bank at 95566. If in doubt, please continue to consult the online customer service of Bank of China. Welcome to download China Bank Mobile Banking or pay attention to "China Bank Micro Banking" to handle business. China Bank Online Customer Service:: 95566.boc./ZIM/ Mobile Banking Download:: Bank of China. /EBanking/Service/cs 1/20 1009/t 20 10092 1 _ 165438。 locale = zhv = 20 1805 180204056 13
List of benchmark loan interest rates of China People's Bank in 20 17:
Loan interest rate percentage within 6 months (%)4.356 months-1 year 4.35 1 year to 3 years 4.753 to 5 years 4.755 years or more 4.90 personal housing provident fund loan interest rate percentage (%)5 years or less 2.755 years or more 3.25 years or more.
The benchmark interest rate of 20 17 loan is the same as last year, and everyone can repay as usual. 20 17 whether the central bank will introduce new policies, we will wait and see.
How to calculate the benchmark interest rate of loans for the same period announced by the People's Bank of China?
The latest benchmark interest rate of bank loans announced by the People's Bank of China: the annual interest rate of loans from 0 to June (including June) is 4.35%, from 6 to 1 year (including 1 year) is 4.35%, 1-3 years (including 3 years) is 4.75%, and from 3 to 5 years (including 5 years). On this basis, there will be appropriate downward floating or upward floating.
The benchmark loan interest rate of China People's Bank is 20 17.
I. Loan interest rate:
Annual interest rate of the project (%)
I. Short-term loans
Within one year (including one year) 4.35
Second, medium and long-term loans
One to five years (including five years) 4.75
More than five years 4.90
III. Annual interest rate of provident fund loans%
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 various banks can float freely at present, so the loan interest rates of various loans of various banks will be different, and the interest required for loans will be more or less.
Two. Conditions for applying for bank loan business:
1, 18 to 65 years old natural person;
2. The borrower's actual age plus the loan application period shall not exceed 70 years old;
3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;
4. Good credit information, no bad records, and legal use of the loan;
5. Meet other conditions stipulated by the bank.
If you meet the above conditions, you can apply for a loan business at a local bank.
How to inquire the benchmark interest rate of China People's Bank loan?
Conditions for handling loans:
1, a citizen of China who has a fixed residence in China and a fixed residence in a local town and has full capacity for civil conduct, 18-65 years old;
2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;
3. Abide by laws and regulations, and have no illegal acts and bad credit records;
4. The purpose of the loan is clear, in line with state regulations, and relevant certificates can be provided;
5. Other conditions stipulated by the bank.
How to calculate the benchmark interest rate of China People's Bank for the same period?
At present, the annual interest rate of the bank's one-year loan is 4.35%, which is four times 17.4%, namely 1 and 7.4% (the five-year benchmark interest rate is four times 4.9% and 19.6%, and the dividend is not enough). If it is higher than this, it is not protected by law.
2006_20 10 China People's Bank Loan Benchmark Interest Rate Table
I found it for you online: pbc.gov./publish/zhenghuobisi/631/index.
The People's Bank of China pays the benchmark interest rate as an agent.
Loan interest rate: annual interest rate of the project (%) 1. Short-term loans within one year (including one year) 4.35 2. 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.
20 17 loan interest rate table list
Please log on to the official website of Bank of China (), click Financial Data-Deposit/Loan Interest Rate on the right side of the homepage, and select historical data of loan interest rate by currency for query.
The above contents are for your reference. Please refer to the actual business regulations.
What is the interest rate of 20 17 bank loan?
Please log on to the official website of Bank of China (), click Financial Data-Deposit/Loan Interest Rate on the right side of the homepage, and select historical data of loan interest rate by currency for query.
The above contents are for your reference. Please refer to the actual business regulations.
20 17 what is the benchmark interest rate of China people's bank loan?
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%;
If you apply for a loan through our bank, the loan interest rate needs to be comprehensively priced in combination with the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets.