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 loan interest rate of Agricultural Bank?

Rmb loan interest rate

Project annual interest rate

I. Short-term loans

Within six months (including six months) 5.60

Six months to one year (including one year) 6.00

Second, medium and long-term loans

One to three years (including three years) 6. 15

Three to five years (including five years) 6.40

More than five years 6.55

Extended data:

On June 8, 20 12, the people's bank of China decided to lower the benchmark interest rate of RMB deposits and loans of financial institutions from June 8, 20 12. The benchmark interest rates of one-year deposits and loans of financial institutions were lowered by 0.25 percentage points respectively, and the deposit and loan interest rates of housing provident fund were also lowered simultaneously.

On July 6th, 20 1 1, the People's Bank of China decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from July 7th, 201/. The benchmark interest rates of one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively, and the deposit and loan interest rates of housing provident fund were also raised simultaneously.

On April 5th, 20 1 1, the People's Bank of China decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from April 6th, 201/. The benchmark interest rates for one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively.