Discounting the loan interest rate means that banks will float down on the basis of the benchmark interest rate when lending, and the interest on loan fees is relatively small at this time. Common loan interest rate discounts are 10% or 15%. However, if you want to get preferential loan interest rates, you generally need to be a high-quality customer of the bank.
20 19 The benchmark interest rate for commercial loans stipulated by the People's Bank of China is 4.35% within one year, 4.75% within one to five years and 4.90% over five years. If the above benchmark interest rates enjoy 10% discount respectively, the loan interest rates at this time are 3.9 15%, 4.275% and 4.4 1% respectively.
After the bank handles the loan, the user can repay the loan in advance with sufficient funds, and then the interest expense can be reduced. However, it is best not to repay the loan in advance more than half of the total time. After that, it is of little significance to repay the loan in advance. At this time, the interest saved is relatively small, because most of the interest has been paid in advance.
When applying for a loan in a bank, you must consult the bank in advance to find out the loan interest rate and loan conditions, and then choose the bank that suits you best. According to the loan type, the loan information will be different, but the repayment ability and good credit information are the most concerned by banks, and only users with strong repayment ability can get loans smoothly.
What do you mean by loan discount?
Question 1: Will the preferential bank loans last forever? If the bank recognizes your discount and has already made a payment, then no matter how the interest rate rises or falls, it will be discounted on the basis of the current interest rate. For example, if the basic interest rate is 6.3 1% in February and the interest rate is adjusted to 6.56% in July, it will also give you a 20% discount at the current 6.56%. One more thing, how much interest do most banks pay when they borrow money? If the interest is adjusted in that year, it will not affect your health. Generally, it will be adjusted to current interest on June 65438+1 October1. Some small banks will change with the change of bank interest. Therefore, you should consult your bank for any specific information.
Question 2: What do you mean when you borrow money? As the name implies, discount is to lower the interest rate on the basis of the current national basic interest rate. For example. A 20% discount is the base interest rate of 6. 14%.8=4.9 12%.
Question 3: What does the discount on CCB loans mean? The current five-year loan interest rate of CCB is 6.55%. If you discount 98%, the interest rate is 6.4 19%. It can save 0. 13%, and if it is 300,000 yuan, it can save 383 yuan every year.
Question 4: What do you mean by a 10% discount on the bank loan interest rate? It means 10% discount on the basis of benchmark interest rate. The benchmark interest rate is 90%
The benchmark interest rate within 6 months is 5.3%.
The benchmark interest rate within 6 months-1 year is 5.8 1%.
The benchmark interest rate for 1 -3 years is 5.85%.
The benchmark interest rate for 3 -5 years is 6.22%.
The benchmark for more than five years is 6.4%
Question 5: What does the loan discount mean? It means that the interest rate of commercial housing loans is discounted according to a certain proportion on the basis of the benchmark interest rate stipulated by the People's Bank of China. For example, at present, the benchmark interest rate for loans with a mortgage interest rate of more than five years is 6.60%. If the discount is 15%, the execution interest rate is 5.6 1%.
Question 6: What does discount on loan interest rate mean? In other words, the interest rate can be discounted. As for the discount, I don't know.
Question 7: What do you mean by many bank mortgage discounts? If you are going to apply for a personal housing loan in our bank, the actual loan interest rate you can apply for is comprehensively priced by the handling bank in combination with the business type, personal solvency, credit status, guarantee method and other factors, and can only be determined after approval.
Question 8: What bank's discount loan interest rate is first set by the state, but at the same time, the policy also says that banks can standardize their own standards in practice, so the final mortgage interest rate is still up to the banks, that is, the loan interest rate and repayment method should be determined by the buyers and banks after consultation, and developers have no right to decide.
However, it does not mean that it has nothing to do with developers. Bank loans in different places will have different interest rates according to different customers. Banks do not handle mortgage business for individuals, but only cooperate with major developers. Banks will divide developers into different grades, and developers of different grades will implement different interest rates.
Question 9: What does the intermediary mean by bank loan discount? Bank loan discount refers to the downward fluctuation of the loan interest rate for the purpose of promotion or the preferential interest rate for the first suite when using commercial loans. Generally, it will be 5-30% lower than the benchmark interest rate, which is the so-called 95% to 70% interest rate discount ~
20 17 what is the benchmark interest rate of China people's bank loan?
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.
Project annual interest rate%
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
Three. The annual interest rate of individual housing provident fund loans is%.
Under five years old (inclusive) 2.75
More than five years 3.25
In view of 20 16, the central bank did not introduce interest rate cuts and RRR policies throughout the year. At the beginning of the new year, the benchmark interest rate of central bank loans is still as shown in the following table:
List of benchmark loan interest rates of China People's Bank in 20 17:
Percentage of loan interest rate 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 individual housing provident fund loan interest rate percentage (%)5 years or less 2.755 years or more 3.25.
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.
Please check the benchmark interest rate of commercial loans of China Bank on the home page of China Bank official website Financial Information Deposit and Loan Interest Rate (China Bank). /FIMarkets/LiLV/FD32/20 15 10/t 20 15 1023 _ 5824975。 ).
Since 20 12, the interest rate was cut for the first time on 20165438+1October 22nd. In 20 15, interest rates were lowered three times, namely 2015/6/282015/31and 2065438+February 2, 2005.
The annual benchmark interest rate is 4.35%.
From a practical point of view, the basic conditions for loans are:
First, Chinese mainland residents, under the age of 60;
Second, it has a stable address and work or business premises;
Third, there is a stable source of income;
Fourth, there is no bad credit record, and loans cannot be used for stock trading and gambling;
Fifth, have full capacity for civil conduct.
20 14 what is the benchmark interest rate of China people's bank loan?
Loan interest rate (1) The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different lending banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis of the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on July 7, 20 1 1 year. Types and annual interest rates are as follows: ① Six-month (inclusive) short-term loan 6.10%; ② 6.56% from half a year to one year (inclusive); ③ One to three years (inclusive) 6.65%; ④ Three to five years (inclusive) 6.90%; ⑤ More than five years and 7.05%. (2) Take mortgage as an example: comprehensively evaluate the bank loan interest rate according to the credit status of the loan, and determine the loan interest rate level according to the credit status, collateral and national policy (whether it is the first suite or not). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is 1 of the benchmark interest rate. Since February 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. At the beginning of April, large state-owned banks began to implement preferential interest rates for the first home loan. The interest rate discount of some banks can be up to 15%. The interest rate after 15% discount for more than five years is 7.05%0.85=5.9925%.
The latest loan interest rate is:
The loan for more than five years is 6.15%;
The interest rate is 6.0% for less than five years and more than one year;
The loan interest rate for less than one year is 5.6%.
The People's Bank of China does not lend from the Central Bank. After adjustment, the annual interest rate of general commercial banks is 6. 15%, and the annual interest rate of provident fund is 4.25%.
The benchmark interest rate of China People's Bank for 20 14 years is shown in the following table:
All loan units:
Six months 5.60%
6% a year
One to three years 6. 15%
Three to five years 6.40%
More than five years, 6.55%
What is the basic interest rate of 20 17 bank housing loan?
What is the interest rate of 20 17 loan to buy a house?
At present, the benchmark interest rate for commercial loans with a loan term of more than 5 years is 4.90%. Due to the policy of restricting purchases and loans, the preferential interest rates of local banks for the first home loan are different. The second home loan interest rate generally rose 10%.
During the same period, the benchmark interest rate of provident fund loans was 3.25%, and the interest rate of second-home loans generally rose 10%.
The second suite is defined as the second suite where the borrower's family (including the borrower, spouse and minor children) determines the mortgage times and has used provident fund loans or commercial loans to purchase houses.
(The above answers were published on 2017-01-10. Please refer to the actual situation for the current purchase policy. )
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What is the interest rate of 20 17 mortgage?
In 20 17, the average national mortgage interest rate was 5.38%.
From June 2065438 to June 2007 10, the national average mortgage interest rate was 4.46%. Under the influence of environmental factors such as policies and markets, the annual mortgage interest rate is on the rise. As of 20 17 and 12, the national average mortgage interest rate was 5.38%, 0.92 percentage points higher than that of 1.
Among them, it increased by 0.03 percentage points in the first quarter, 0.50 percentage points in the second quarter, 0.33 percentage points in the third quarter and 0. 16 percentage points in the fourth quarter. 20 17 12 some cities have generally implemented the first set of interest rates, the benchmark interest rate has risen by 15%, and the two sets of interest rates have also been raised simultaneously. In the future, more second-tier cities may raise mortgage interest rates again.
Extended data:
2065438+June 7, 2002, the central bank issued an urgent document to commercial banks, requiring that the lower limit of the floating range of individual housing loan interest rate of commercial banks should still be 0.7 times of the benchmark interest rate.
Commercial banks will implement the new interest rate: if the loan term is more than one year, the loan interest rate will be adjusted once a year, and it will be 65438+ 10/0 in June. If the benchmark interest rate is not adjusted within the loan term, the loan interest rate will not be adjusted. On March 20 17, Beijing 16 Bank cancelled the 10% discount on the first home loan interest rate and adjusted the first home loan interest rate to 9.5%.