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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What is the benchmark interest rate for one to five-year loans announced by the central bank at present?

At present, the benchmark interest rate for one-to five-year loans announced by the central bank is 4.75%.

At present, the benchmark annual interest rate of loans announced by the central bank is 0-6 months (including 6 months), and the annual interest rate is 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%. More than 5 years, annual interest rate: 4.90%.

The annual interest rate refers to the deposit interest rate for one year. The so-called interest rate is the abbreviation of "interest rate", which refers to the ratio of interest amount to deposit principal or loan principal in a certain period of time.

What is the benchmark interest rate for loans?

201465438+1October1-65438+1October 2 1, and the benchmark annual interest rate of the loan announced by China People's Bank is as follows: 5.6% within 6 months (inclusive); 6 months to 1 year (including 1 year) 6%; 1-3 years (including 3 years) 6.15%; 3-5 years (including 5 years) 6.4%; More than 5 years, 6.55%;

201165438+1October 22-65438+31February, the benchmark annual interest rate of the loan announced by China People's Bank is as follows: 5.6% within 6 months (inclusive); 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%.

The benchmark loan interest rate is based on the loan guidance interest rate issued by the central bank to commercial banks. It is one of the monetary policies used by the central bank to regulate social and economic activities and the operation of the financial system. We must have a detailed understanding. At the same time, we need to pay attention to the loan interest rate, which is constantly changing. You must learn to pay attention to the corresponding insurance policies. Only in this way can we better protect our own interests from losses. At the same time, it should be noted that relevant documents must be prepared when borrowing. Only in this way can we make normal payments and learn to protect our personal credit information in our lives.

1. How did the loan interest rate change?

The loan interest rate in China is managed by the People's Bank of China. Generally speaking, the bank loan interest rate will fluctuate with reference to the benchmark interest rate stipulated by the People's Bank of China. If we have a loan demand, we must go to several banks to compare. Shop around to better protect your property. I hope everyone can understand this, but it should be noted that the loan interest rate is generally higher than the deposit interest rate, and the difference between them is the main source of bank profits.

2. What should I pay attention to before applying for a loan?

Before applying for a loan, you must have a correct understanding of your repayment ability, design a repayment plan according to your income level, and leave room appropriately. Only in this way can we not affect our normal life. At the same time, it should be noted that overdue behavior must be avoided in life, so that personal credit information will not be affected. Be sure to read the loan contract carefully. Only by reading the terms of the contract can we better understand our rights and obligations.

3. What effect will overdue behavior have on our life?

If we can't repay in time in our life, our personal credit inquiry at the meeting will be greatly hindered if we want to borrow again. I hope everyone can repay in time.

What is the current benchmark interest rate of the central bank?

Benchmark interest rates include deposit benchmark interest rates and loan benchmark interest rates. In 2020, major banks will take the deposit and loan interest rates issued by the central bank as the benchmark interest rate, so the deposit and loan interest rates of major banks will fluctuate around the benchmark interest rate of the central bank.

According to the Adjustment Table of RMB Deposit Benchmark Interest Rate of Financial Institutions issued by the People's Bank of China official website on October 24th, 20 15, the benchmark interest rates of major banks in 2020 are as follows:

1. Deposit interest rate: 0.35%.

Two. The interest rate of time deposit is:

(1) lump-sum deposit and lump-sum withdrawal for three months 1. 1.00%, six months 1.30%, one year 1.50%, two years 2. 1.00%, and three years 2.75.

(2) lump-sum deposit and withdrawal, one-year 1. 10%, three-year 1.30% deposits.

(3) Regular lump-sum deposit and withdrawal within one year, and 60% discount on the interest rate of the same grade for fixed-income and double-income loans.

Three. The agreed deposit interest rate is 1. 15%.

4. The interest rate of call deposit is: 0.80% for one day, 7 days 1.35%.

Verb (abbreviation of verb) The deposit interest rate of individual housing provident fund is: 0.35% in the current year and 1. 10% in the previous year.

In addition, according to the Adjustment Table of Benchmark Interest Rate of RMB Loans for Financial Institutions issued by the People's Bank of China official website on 20 15124, the benchmark interest rates of major banks' loans in 2020 are as follows:

1. Short-term loan: 4.35% within one year (including one year);

2. Medium and long-term loans: one to five years (including five years): 4.75%; More than five years, 4.90%;

3. Personal housing provident fund loan: 2.75% for less than five years (including five years); More than five years, 3.25%.

So much for the introduction of the benchmark interest rate of central bank loans.