Since 20 15, 10124, the central bank's benchmark interest rate has not changed, as follows:

1, the benchmark interest rate of commercial mortgage.

(1) Within one year, the interest rate is 4.35%.

(2) The loan term is one to five years and the interest rate is 4.75%.

(3) If the loan term exceeds five years, the interest rate is 4.90%.

2. benchmark interest rate of provident fund mortgage.

(1) The loan is within 5 years, and the interest rate is 2.75%.

(2) If the loan is over 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 personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.

Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.

Personal housing loans mainly have the following three loan forms:

(1) The full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low;

On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.

(2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, personal housing secured loans.

(3) Personal housing portfolio loan refers to the loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.

Processing flow:

1. loan application: the customer fills in and submits the application form and application materials designated by CCB.

2. Pre-lending investigation and interview: CCB interviewed the borrower and conducted pre-lending investigation.

3. Loan approval: CCB conducts loan approval.

4. Signing a contract: After the customer's loan is approved, sign a loan contract with CCB.

5. Loan issuance: CCB will issue loans after meeting the requirements.

6. Customer repayment: the customer repays the loan on time as agreed.

7. loan settlement.

How much is the interest on the bank loan?

Our daily life is closely related to banks, and we can say that we are dealing with banks every day. As big as buying a car and buying a house, as small as every small expenditure, you have to deduct money from the bank. We contact the bank every day, but when it comes to the loan, we don't know the interest of the bank loan. How much money to pay back every month is what every borrower cares about. Because each bank's loan interest is different, it is necessary to do your homework in advance and understand the bank's loan interest. Then let's look at the interest rates of various bank loans.

At present, the central bank sets the interest rate as one-year benchmark interest rate of 4.35%, 1-3 years (including 3 years) of 4.75%, 3-5 years (including 5 years) of 4.75% and 5-30 years (including 30 years) of 4.90%.

At present, the benchmark interest rate of bank loans in China is set by the People's Bank of China, and then the major banks fluctuate according to the prescribed range. Among them, the floating range of commercial banks, urban credit cooperatives and other financial institutions is between 0.9%- 1.7%, which means that the central bank allows major banks to rise by 70% and fall by 10% on the basis of the benchmark interest rate. Because the interest of bank loans is calculated according to the interest rate, the interest rate and loan amount of each bank are different, and the interest is also different.

Banks always have three kinds of loans, namely mortgage loans, credit loans and commercial loans. Because the loan conditions are different, the interest rate and interest rate are different.

Mortgage loan:

1. Mortgage loan is used for business operation.

The general loan amount can be applied to 70% of the real estate appraisal value. The loan interest rate should rise by more than 20% on the basis of the benchmark interest rate of the central bank according to the bank's policies and the borrower's conditions. The loan period is generally set at 5 years.

2. Mortgage loan is used for personal consumption

If the mortgage loan is used for personal consumption, the loan interest rate can rise by 10% on the basis of the benchmark interest rate of the central bank. The assets mortgaged in this way generally have a mortgage life of 10 years.

Mortgage is used to buy a house.

If the mortgage borrower uses it to buy a house, the bank's loan interest rate is 1. 1 times the original benchmark interest rate. The loan time has also been shortened from the original 20 years to 10 years.

When handling mortgage loans, the borrower's loan period has a certain relationship with his own qualifications. If his personal credit is good and his repayment ability is strong, his loan amount will be higher.

Credit loan:

The interest of general credit loans is higher than other loan methods. Because credit loans are unsecured loans, the procedures are relatively simple and the threshold is relatively low, so the interest is higher than ordinary loans. At present, the interest rates of unsecured credit loans of major banks are floating on the basis of the central bank's benchmark interest rate, at least by 30%. Calculated by the loan for five years, the interest rate for five years is about 6. 18%. When we make a loan, we should calculate the monthly repayment amount to see if we can afford it.

If credit loans are used for personal consumption, such as tourism, daily consumption, durable goods consumption, etc., you can choose credit products with small loan amount and low interest, such as China Construction Bank and Bank of Communications. If our credit loan is used for decoration, car purchase or other consumption with large demand for funds, you can choose credit loan products with high loan amount, low interest and long loan period.

However, it should be noted that there are many factors affecting credit loans, including credit application, assets and repayment ability of loans.

Commercial loans:

Commercial loans, also known as "personal housing loans", buyers pay a down payment when buying a house, and then pay a certain amount of principal and interest to the bank every month. The annual interest rate of commercial loans is 1 year or above 4.35%, 1 to 5 years (inclusive) 4.75%, and 5 years or above 4.90%. For provident fund loans below 1 year, the tax rate is 2.75%, 1-3 years is 2.75%, 3-5 years is 2.75%, and 5 years and above is 3.25%. Affected by the policy of restricting purchases and loans, major banks have adjusted the interest rate of the first home loan to varying degrees. According to statistics, the average interest rate of the first suite is 5.38%, the interest rate generally rises by 5%-20%, the second suite rises by 10%-30%, and the interest rate of provident fund loans rises by 10%.

Generally speaking, the interest of bank loans is calculated according to the interest rate. The interest rate and loan amount of each bank are different, so the interest is different. The benchmark annual interest rate set by the central bank is 4.35%, 1-3 year interest rate is 4.75%, 3-5 year interest rate is 4.75%, and 5-30 year interest rate is 4.90%. On the basis of the benchmark interest rate, major banks fluctuate within a reasonable range, that is to say, the maximum fluctuation range is 70%, and the downward fluctuation range is 10%. The above is my answer to the bank loan interest rate, I hope it will help you.

How much is the interest on commercial loans now?

At present, the annual interest rate of bank loans is as follows: within half a year (including half a year), 4.85% for loans from half a year to one year (including 1 year), 4.85% for loans from one year to three years (including three years), 5.25% for loans from three years to five years (including five years), 5.25% for loans over five years and 5.40% for years. Matching principal and interest repayment method The monthly repayment amount and total interest of 20-year and 30-year mortgages are as follows: 20-year matching principal and interest repayment method: the total loan amount is 100000.00 yuan, the monthly repayment amount for 240 months is 682.25 yuan, and the total interest amount is 63740.38 yuan. Total principal and interest 163740.38 yuan, and the repayment method of equal principal and interest is 3. 0 year: total loan 100000.00 yuan, repayment months of 360 months, monthly repayment of 56 1.53 yuan, total interest paid 102 15 1.09 yuan, and total principal and interest of 202/kloc.

What's the interest rate for commercial loans?

The commercial loan interest rate refers to the benchmark interest rate of the People's Bank of China, with the upper limit liberalized and the lower limit managed. At present, the lower limit of interest rate is 0.9 times the benchmark interest rate of loans in the same period.

Benchmark interest rate of people's bank loans (commercial loan interest rate)

1. The loan interest rate within one year (including one year) is 4.35%.

2. The loan interest rate for one year to five years (including five years) is 4.75%.

3. The loan interest rate for more than five years is 4.90%.

Commercial loans, also known as individual housing loans, are usually loans for urban residents to purchase ordinary housing for their own use, and the legal loan interest rate is implemented. Due to restrictions on purchases and loans, the current commercial loan interest rate has risen by at least 10%.