The latest benchmark interest rate of China People's Bank loan: 1, short-term loan: 4.35% within six months (including six months) and 4.35% from six months to one year (including one year);
2. Medium and long-term loans: 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.90% for more than five years;
3. Personal housing provident fund loans: 2.75% for less than five years (including five years) and 3.25% for more than five years.
What is the bank loan interest rate in 2022?
_ Latest Loan Market Quotation (lpr) of China People's Bank in 2022:
Updated on September 20, 2022:
On September 20, 2022, the loan market quoted interest rate (LPR) was 65438+3.65% for 0 years and 4.3% for 5 years and above.
Note: The above LPR is valid until the next LPR release.
Updated on August 22, 2022:
On August 22, 2022, the loan market quoted interest rate (LPR) was 65438+3.65% for 0 years and 4.3% for 5 years and above.
Updated on July 20, 2022:
On July 20, 2022, the loan market quoted interest rate (LPR) was: 1 year, 3.7%, and over 5 years, 4.45%.
Updated on June 20, 2022:
On June 20, 2022, the loan market quoted interest rate (LPR) was 65438+3.7% for 0 years and 4.45% for 5 years and above.
Updated on May 20, 2022:
On May 20, 2022, the loan market quoted interest rate (LPR) was 65438+3.7% for 0 years and 4.45% for 5 years and above.
Updated on April 20, 2022:
On April 20, 2022, the loan market quoted interest rate (LPR) was: 1 year, 3.7%, and 5 years and above, 4.6%.
Updated on March 2, 20221:
On March 2, 2022, the loan market quoted interest rate (LPR) 1 day was 3.7% for a period of five years and above, and 4.6%.
Updated on February 2, 20221:
On February 2, 2022, the loan market quoted interest rate (LPR) 1 day was 3.7% for a period of five years or more, and 4.6% for a period of five years or more.
20221October 20th, updated 65438:
In 2022 1 October 20th, the loan market quoted interest rate (LPR) was:1year LPR was 3.7%, and the LPR over five years was 4.6%.
Central bank loan benchmark interest rate
China People's Bank loan benchmark interest rate: (1) Short-term loans: within one year (including one year), and the adjusted interest rate is 4.35. (2) Medium and long-term loans: the adjusted interest rate is 4.75 for one to five years (including five years); The adjusted interest rate for more than five years is 4.90. (3) Personal housing provident fund loan: the adjusted interest rate is 2.75 for less than five years (including five years); The adjusted interest rate for more than five years is 3.25.
In order to deepen the interest rate marketization reform, improve the interest rate transmission efficiency and reduce the financing cost of the real economy, the People's Bank of China decided to reform and improve the formation mechanism of the quoted interest rate (LP) in the loan market. The relevant matters are hereby announced as follows:
1. Since August 20, 2065438+2009, the People's Bank of China has authorized the National Interbank Funding Center to announce the quoted interest rate of the loan market at 9: 30 on the 20th of each month (postponed in case of holidays), which can be inquired by the public on the websites of the National Interbank Funding Center and the People's Bank of China.
II. Loan Market Quotation Rate Quotation Banks should quote to the National Interbank Funding Center at the open market operating rate (mainly referring to the medium-term lending convenience rate) before 9: 00 on the 20th of each month (postponed in case of holidays). After removing the highest and lowest quotations, the National Interbank Funding Center calculates the quotation rate of the loan market through arithmetic average.
Third, in order to improve the representativeness of the loan market quotation rate, the types of quotation banks in the loan market quotation rate have increased from the original national banks to city commercial banks, rural commercial banks, foreign banks and private banks, and this time they have been expanded from 10 to 18, and will be evaluated and adjusted regularly in the future.
4. Expand the quoted interest rate of the loan market from the original one-phase variety 1 year to two-phase variety 1 year and more than five years. Loans with a term of 1 and a term of more than five years are priced with reference to the loan market quoted interest rate of the corresponding term, and the loan interest rates with a term of 1 and a term of 1 to five years are independently selected by the Bank.
Five, from now on, banks should mainly refer to the loan market quotation rate pricing in new loans, and adopt the loan market quotation rate as the pricing benchmark in the floating rate loan contract. The existing loan interest rate is still implemented according to the original contract. Banks may not set the implicit lower limit of loan interest rate pricing in any form through cooperative behavior.
Six, the People's Bank of China will guide the market interest rate pricing self-discipline mechanism to strengthen the supervision and management of the loan market quotation rate, evaluate the quotation quality of quotation banks, urge banks to use the loan market quotation rate pricing, and seriously deal with illegal acts that disrupt the market order such as setting the implicit lower limit of loan interest rate by banks. The People's Bank of China incorporated the application of the quoted interest rate in the loan market and the competitive behavior of the loan interest rate into the macro-prudential assessment (MPA).
Legal basis:
According to Article 26 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases, if the lender requests the borrower to pay interest at the interest rate agreed in the contract, the people shall support it, except that the interest rate agreed by both parties exceeds four times the one-year loan market listing rate when the contract is established.
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