Because the loan interest rate of rural commercial banks will fluctuate on the benchmark interest rate of the central bank, the annual interest rate of loans with benchmark interest rates of 1 and 1 is 4.35%, and the annual interest rate of loans with 1 to 5 years is 4.75%; The annual interest rate of loans for more than 2.5 years is 4.9%; 3. Personal housing provident fund loans, the annual interest rate of loans below five years is 2.75%, and the annual interest rate of loans above five years is 3.25%. The floating point of each rural commercial bank is different, so the annual interest rate of loans is also different.
Are the commercial loan interest rates of different banks different?
The commercial loan interest rates of different banks refer to the benchmark loan interest rate or LPR published by the People's Bank of China, but the auditing standards of each bank are different, so the specific interest rates for users will naturally be different. Therefore, the commercial loan interest rates of different banks are the same, but the actual interest rates will vary from person to person, and the interest rates will be different for the same person applying for loans in different banks.
Generally speaking, it is more advantageous for users to apply for loans from banks that have good business relations with them than from other banks.
Is the interest rate of the loan the same every year?
The loan interest rate is determined according to the evaluation of users' credit qualifications. Apply for a new loan every year, and the loan interest rate may be different. In the previous loan application, the loan interest rate was agreed in the contract, and it will not change at this time of the year. As for the mortgage interest rate, the mortgage interest rate is based on LPR, and the mortgage interest rate is floating, so the interest rate may change every year.
So the annual loan interest rate will be different, mainly depending on the loan contract and whether the user has applied for a new loan.
Is the loan interest rate different from place to place?
The benchmark interest rate of loans is the same everywhere, because it refers to the benchmark interest rate published by the People's Bank of China. As for the mortgage interest rate of LPR, it is also uniformly announced. All regions will use LPR interest rate as the benchmark interest rate for pricing, and so will every region. However, banks in the region will operate according to the actual situation, so the actual mortgage interest rate in each region will be different.
The benchmark of pricing is the same, and the final appropriation interest rate of different regions, different lenders and different appropriation banks is different.
Is the loan interest rate different from bank to bank?
Project annual interest rate: 1. Deposits of urban and rural residents and units, demand deposits, 0.36 time deposits, 1. The lump-sum deposit and withdrawal are three months, six months 1.7 1, 2.25 for one year, 2.79 for three years, 3.33 for five years, 3.602 for lump-sum deposit and withdrawal, and the deposit interest rate is 1.7 1, and 3 years1. The fixed deposit with the same interest rate within one year shall be fixed in lump sum, with an agreed deposit of 65,438+0.1and a seven-day notice deposit of 0.865,438+0. The benchmark interest rates stipulated by the People's Bank of China are all the same, but banks can float down 10% on the basis of the benchmark interest rate, with no upper limit, that is, the lowest interest rate is 0.9 times of the benchmark interest rate, and the highest interest rate is set by commercial banks, so the loan interest rate of banks is usually different, even for a bank and different customers. The standard deposit and loan interest rates are the same. Now the interest on public deposits is the same. However, the loan interest rate varies according to the risk of the borrower. Each bank decides how much to float. If the loan term is less than one year, the national interest rate adjustment will still be implemented according to the interest rate at the time of signing the contract. If the loan exceeds one year, it will fluctuate in the second year according to the range of June 65438+1 October1national interest rate adjustment. If the interest rate is adjusted again in that year, it will fluctuate again in the next year. The benchmark interest rate is issued by the People's Bank of China. The deposit interest rates of banks such as workers, peasants and China's diplomatic relations have risen by a certain percentage on the basis of the benchmark interest rate. At present, the maximum floating rate of 30% is set by the banks themselves, so the interest rates of major banks are different. The interest rate of bank credit loans is different. Individuals apply for credit loans in banks, and the interest rates of credit loans in different banks are different. Relatively speaking, the interest rate of bank credit loans is lower than that of private loan companies. Because the interest rate of credit loans will rise, the situation of credit loans rising in different banks is not the same. The interest rates of some banks' credit loans are 1. 1 times, while those of some banks are 1.2 times and 1.5 times. So different banks have different interest rates on credit loans. Answer: 1 The loan interest rate of each bank is different. Interest rates will change. 3 will not always be 7.05%. 4 The bank will adjust the interest rate. You will adjust the interest rate with the People's Bank of China every year, 10 twice, 1 1 3 times, not necessarily. The bank will sign a loan contract with you, which will specify the time to adjust the interest rate every year, but it is usually adjusted once a year. For example, the People's Bank of China adjusted the interest rate at 65438+February 3 1, and you may start to change the interest rate at 65438+1 October1next year. The discount given by each bank is not necessarily the same. You'd better ask and choose a bank with a low discount. If the bank gives you a 30% discount on the interest rate and you borrow for 30 years, that means that no matter how the bank interest rate changes every year, you will get a 30% discount on the original interest rate after 30 years.