What is the bank loan interest rate in 2015?

From January 1 to February 28, 2015, the benchmark annual interest rate for loans announced by the People's Bank of China is as follows: Within 6 months (inclusive) ) 5.6%; 6 months to 1 year (including 1 year) 5.6%; 1-3 years (including 3 years) 6%; 3-5 years (including 5 years) 6%; more than 5 years 6.15%;

From March 1 to May 10, 2015, the benchmark annual interest rates for loans announced by the People's Bank of China are as follows: within 6 months (inclusive) 5.35%; from 6 months to 1 year (inclusive) 5.35 %; 1-3 years (including 3 years) 5.75%; 3-5 years (including 5 years) 5.75%; more than 5 years 5.9%;

Three May 11, 2015 - June On the 27th, the benchmark annual interest rates for loans announced by the People's Bank of China are as follows: within 6 months (inclusive) 5.1%; 6 months to 1 year (inclusive) 5.1%; 1-3 years (inclusive) 5.5%; 3- 5 years (including 5 years) 5.5%; more than 5 years 5.65%;

From June 28 to August 25, 2015, the benchmark annual interest rate for loans announced by the People's Bank of China is as follows: Within 6 months (inclusive) 4.85%; 6 months to 1 year (inclusive) 4.85%; 1-3 years (inclusive) 5.25%; 3-5 years (inclusive) 5.25%; more than 5 years 5.4%;

From August 26 to October 23, 2015, the benchmark annual interest rates for loans announced by the People's Bank of China are as follows: 4.6% within 6 months (inclusive); 6 months to 1 year (inclusive) ) 4.6%; 1-3 years (including 3 years) 5%; 3-5 years (including 5 years) 5%; more than 5 years 5.15%;

Sixth October 24, 2015-- On December 31, the benchmark annual interest rates for loans announced by the People's Bank of China are as follows: within 6 months (inclusive) 4.35%; 6 months to 1 year (inclusive) 4.35%; 1-3 years (inclusive) 4.75%; 3-5 years (including 5 years) 4.75%; more than 5 years 4.9%.

What is the base interest rate for mortgage loans in 2015?

Since October 24, 2015, the central bank’s benchmark interest rate has not changed. The details are as follows:

1. Commercial mortgage benchmark interest rate.

(1) For loans within one year, the interest rate is 4.35%.

(2) Loans for one to five years, with an interest rate of 4.75%.

(3) For loans of more than five years, the interest rate is 4.90%.

2. Provident fund housing loan benchmark interest rate.

(1) For loans within 5 years, the interest rate is 2.75%.

(2) For loans of more than 5 years, the interest rate is 3.25%.

Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for self-use. When a lender issues a personal home loan, the borrower must provide a guarantee. If the borrower is unable to repay the principal and interest of the loan when due, the lender has the right to dispose of its mortgage or pledged property in accordance with the law, or the guarantor shall bear joint and several liability for the repayment of the principal and interest.

Loans are intended for natural persons with full capacity for civil conduct. The loan conditions are that urban residents purchase ordinary houses for self-use and have a house purchase contract or agreement, have the ability to repay principal and interest, have good credit, have a down payment of 30% of the funds required for house purchase, and have a loan guarantee recognized by the bank, etc.

Personal housing loans can only be used to purchase ordinary houses for self-use and urban residents to repair or build self-use houses, and cannot be used to purchase luxury houses.

Personal housing loans mainly have the following three loan forms:

(1) The full name of personal housing entrusted loan is personal housing guaranteed entrusted loan, which refers to the use of housing provident funds by the housing fund management center. Personal housing loans entrusted to commercial banks. Housing provident fund loans are policy-based personal housing loans. On the one hand, they have low interest rates; on the other hand, they are mainly provided to low- and middle-income provident fund paying employees. However, since the interest rate difference between housing provident fund loans and commercial loans is more than 1%, both investors and ordinary people who buy houses for themselves are more inclined to choose housing provident fund loans to purchase houses.

(2) Personal housing self-operated loans are loans issued to individual home buyers with bank credit funds as the source. Also known as commercial personal housing loans and personal housing guaranteed loans.

(3) Personal housing portfolio loans refer to loans issued to the same borrower for the purchase of ordinary housing for self-use using housing provident fund deposits and credit funds as sources. It is a combination of personal housing entrusted loans and self-operated loans. . In addition, there are housing savings loans and mortgage loans.

Process:

1. Loan application: The customer fills in and submits the application form and application materials specified by CCB.

2. Pre-loan investigation and interview: CCB interviews the borrower and conducts pre-loan investigation, etc.

3. Loan approval: China Construction Bank conducts loan approval.

4. Sign the contract: After the customer’s loan is approved, the customer signs a loan contract with CCB.

5. Loan disbursement: CCB will disburse loans after meeting the conditions.

6. Customer repayment: Customers repay on time as agreed.

7. Loan settlement.

What is the loan interest rate in 2015?

2015 is based on the benchmark interest rate adjusted and implemented on July 6, 2012. The types and annual interest rates are as follows:

1. Short-term loan for six months (inclusive) 5.6% .

2. Six months to one year (inclusive) 6%.

3. One to three years (inclusive) 6.15%.

4. Three to five years (inclusive) 6.4%.

5. 6.55% for more than five years.

In addition, the loan interest rate is related to the loan purpose, loan nature, loan term, loan policy, different lending banks, etc. The state stipulates the benchmark interest rate, and each bank determines the differential loan interest rate based on various factors, that is, it floats up or down based on the benchmark interest rate.

Loan interest rate:

1. Loan interest rate is the interest rate charged by banks and other financial institutions from borrowers when they issue loans. There are roughly three categories: the central bank's loan interest rate to commercial banks; the commercial bank's loan interest rate to customers; and the interbank lending rate.

2. The factors determining bank loan interest are: bank costs. Any economic activity requires cost-benefit comparison. There are two types of bank costs: borrowing costs - prepaid interest on borrowed funds; additional costs - expenses incurred in normal business. average profit margin. Interest is a subdivision of profit. Interest must be less than the profit rate. The average profit rate is the highest limit of interest. The supply and demand situation of lending currency funds. If supply exceeds demand, loan interest rates will inevitably fall, and vice versa.

3. Loan interest rates must also take into account price changes, securities income factors, political factors, etc. However, some scholars believe that the highest limit of interest rate should be the marginal rate of return of funds. The factor that constrains the interest rate is regarded as the ratio of the increase in profit of the enterprise after borrowing a bank loan to the amount of borrowing and the loan interest rate. As long as the former is not less than the latter, the company may borrow from the bank.