The interest rate of 20 16 loan of Agricultural Bank of China is as follows:

1. Short-term loans within one year (including one year) 4.35.

Two, medium and long-term loans, one year to five years (including five years) 4.75, more than five years 4.90.

3. The annual interest rate of individual housing provident fund loans is%, 2.75 for less than five years (including five years) and 3.25 for more than five years.

The benchmark interest rate for deposits and loans is the guiding interest rate for loans issued by the central bank (People's Bank of China) 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

Xianning 20 16 agricultural bank loan interest rate

Xianning 20 16 Agricultural Bank of China loan interest rate, 20 16 Agricultural Bank of China loan interest rate includes short-term 4.35% and five-year 4.75%.

What is the loan interest rate of China Agricultural Bank?

According to the notice of the central bank:

Central bank loan benchmark interest rate:

(1) Short-term loan: 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: after five years (including five years), the menu adjustment interest rate is 2.75; The adjusted interest rate for more than five years is 3.25.

Agricultural Bank, the interest rate of short-term loans (within six months, including six months) is 4.35%; The loan interest rate for half a year to one year (including one year) is 4.35%. The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%.

If it is a provident fund loan, the loan interest rate for less than five years (including five years) is 2.75%; The loan interest rate for more than five years is 3.25%.

The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when they issue loans. It is mainly divided into three categories: the loan interest rate of the central bank to commercial banks; The loan interest rate of commercial banks to customers; Interbank lending rate

The decisive factors of bank loan interest are:

1, bank cost. Any economic activity needs cost-benefit comparison. There are two types of bank costs: borrowing costs-prepaid interest on borrowed funds; Additional cost-the cost of normal business.

2. Average profit rate. Interest is the subdivision of profit, which must be less than the profit rate, and the average profit rate is the highest limit of interest.

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What is the mortgage interest rate of 20 16 Agricultural Bank?

At present, the loan interest rates of Agricultural Bank of China are 1 and 1 and the short-term benchmark interest rate is 4.35%. 2. The benchmark interest rate for1to 5 years is 4.75%. The interest rate for loans with a term of three years or more is 4.9%. Due to the influence of local loan policies, the specific loan interest rate needs to be consulted at the loan bank counter.

The introduction of agricultural bank loan interest rate 20 16 ends here.