2.75%-4.9%。 According to the inquiry, the benchmark interest rate of ICBC's commercial loans in 2023 is 1, and short-term loans: 4.75% for 6 months (inclusive); 3 to 5 years (inclusive) 4.75%; More than five years, 4.9%. 2. Annual interest rate of provident fund loans: 2.75% for less than five years (including five years); 3.35% for more than five years; Half a year to one year (inclusive) 4.35%. 3. Medium and long-term loans: 4% for one to three years (inclusive). Mortgage interest rate refers to the loan with real estate in the bank, and the interest is paid according to the interest rate stipulated by the bank. The mortgage interest rate in China is uniformly stipulated by the People's Bank of China, and all commercial banks can float within a certain range. The mortgage interest rate in China is not always constant, but often changes. The form is that interest rates have been rising, so we often compare the situation before and after raising interest rates.

2. What is the interest rate for bank deposits in 23 years?

In 2023, the fixed interest rate of certificates of deposit is 200,000 yuan, and the three-month interest rate is1.595%; 6-month interest rate1.885%; 1 year interest rate is 2.175%; 2-year interest rate is 3.108%; The three-year interest rate is 4. 125%.

The interest rates of time deposits of the four major banks are as follows:

1. China bank time deposit interest rate:

1, lump-sum time deposit: 3-month interest rate1.35%; 6-month interest rate1.55%; 1 year interest rate1.75%; The 2-year interest rate is 2.25%; The 3-year interest rate is 2.75%; The 5-year interest rate is 2.75%.

2. Fixed interest rate for certificates of deposit, starting from RMB 200,000: the three-month interest rate is1.595%; The six-month interest rate is1.885%; 1 year interest rate is 2.175%; The 2-year interest rate is 3.045%; The 3-year interest rate is 3.85%.

Two. ICBC time deposit interest rate:

1, lump-sum time deposit: 3-month interest rate1.35%; 6-month interest rate1.55%; 1 year interest rate1.75%; The 2-year interest rate is 2.25%; The 3-year interest rate is 2.75%; The 5-year interest rate is 2.75%.

2. Fixed interest rate for certificates of deposit, starting from RMB 200,000: the three-month interest rate is1.595%; 6-month interest rate1.885%; 1 year interest rate is 2.175%; 2-year interest rate is 3.108%; The three-year interest rate is 4. 125%.

3. China Construction Bank's time deposit interest rate: 1, and lump-sum three-month time deposit interest rate:1.35%; 6-month interest rate1.55%; 1 year interest rate1.75%; The 2-year interest rate is 2.25%; The 3-year interest rate is 2.75%; The 5-year interest rate is 2.75%.

2. Fixed interest rate for certificates of deposit, starting from RMB 200,000: 1 monthly interest rate1.53%; 3-month interest rate1.54%; 6-month interest rate1.82%; 1 year interest rate is 2.10%; The 2-year interest rate is 2.94%; The 3-year interest rate is 3.85%.

Four, the Agricultural Bank of China time deposit interest rate:

1, lump-sum time deposit: 3-month interest rate1.35%; 6-month interest rate1.55%; 1 year interest rate1.75%; The 2-year interest rate is 2.25%; The 3-year interest rate is 2.75%; The 5-year interest rate is 2.75%. 2. Fixed interest rate for certificates of deposit, starting from RMB 200,000: the three-month interest rate is1.595%; The six-month interest rate is1.885%; 1 year interest rate is 2.175%; The 2-year interest rate is 3.045%; The 3-year interest rate is 4.07%.

3. Why didn't the interest rate of bank mortgage in China drop for 23 years?

Hello. The reason why the interest rate of bank mortgage in China hasn't dropped for 23 years is that the China government has taken a series of stable measures to maintain stable economic growth. As China's economy has maintained steady growth in the past few years, the government believes that keeping the mortgage interest rate unchanged is conducive to steady economic growth. In addition, the government is still at a low level, which may lead to excessive speculation in the real estate market, thus affecting the stability of mortgage interest rates that the government has maintained to ensure stable economic growth.

4. What is the monthly mortgage payment of 230,000 yuan for ICBC now? The interest rate has changed. Help! ...

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Hello, the interest rate is calculated at 4.9%, and the monthly payment is 1220.67 yuan.

Two repayment methods and calculation formulas of housing loans;

First, the repayment method of equal principal and interest, in the initial repayment period, the interest expenditure is the largest and the principal is the least. After that, the interest payment gradually decreased and the principal gradually increased, but the monthly repayment amount (principal and interest) was the same. It is more suitable for young people with low income and low savings, because the pressure of monthly payment will not reduce the quality of life. The formula is:

Monthly repayment amount = monthly interest rate of loan principal (1 monthly interest rate) /(( 1 monthly interest rate)-1 total monthly repayment amount)

In the above formula, all the figures are fixed, so the repayment amount is fixed. Let's modify the formula:

Monthly repayment amount = monthly interest rate of loan principal /(( 1 interest rate) total repayment months-1)

Among them, we call' monthly interest rate of loan principal' as monthly interest, and' monthly interest rate of loan principal /(( 1 interest rate) total repayment months-1)' as monthly principal. The sum of the two is the monthly repayment amount, which is also called the total principal and interest (one month); Total interest = total repayment months-loan principal, that is, all the interest you spend. ""represents an index.

Second, the average capital repayment method refers to the equal repayment of the loan principal every month, with the loan interest decreasing month by month and the monthly repayment amount (principal and interest) decreasing gradually. The total interest paid is less than the equal principal and interest method. Suitable for middle-aged people with high income and certain savings. The formula is:

Monthly repayment amount = loan principal/total repayment months (loan principal-accumulated repaid principal) monthly interest rate

In which: accumulated repayment principal = loan principal/total repayment months.

Hope to adopt. Thank you.