202 1 latest benchmark interest rate table for bank loans: half-year interest rate 4.35, one-year interest rate 4.75, and one-to-five-year interest rate 4.9; Provident fund loans: the interest rate for less than five years (including five years) is 2.75, the interest rate for more than five years is 3, the annual interest rate for short-term loans of the central bank is 4.35, and the annual interest rate for medium and long-term loans is 4.75; The annual interest rates of short-term loans and medium-and long-term loans of ICBC, Agricultural Bank and China Construction Bank are the same. And since April, 2002 1,1,the interest rate of the second set of self-occupied housing loans for employees who newly apply for housing provident fund loans has risen by 1. 1 times according to the interest rate of the first set of housing provident fund loans in the same period.

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1. Latest benchmark interest rate for deposits and loans in 20021September: List of the latest bank interest rates in 20021September and the latest bank deposit and loan interest rates. From September 24, 20 15, the benchmark interest rates of RMB loans and deposits of financial institutions will be lowered to further reduce the financing costs of enterprises.

Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to 1.5%.

2.20 15, 15124, the benchmark interest rates of RMB loans and deposits of financial institutions will be lowered to further reduce the social financing cost. Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to1.5%; The benchmark interest rates of other grades of loans and deposits are adjusted accordingly according to the loan interest rates of financial institutions; The interest rate of individual housing provident fund loans remains unchanged. At the same time, commercial banks and rural cooperative financial institutions are no longer allowed to set a floating ceiling on deposit interest rates, improve the formation and regulation mechanism of interest rate marketization, strengthen the regulation and supervision of the interest rate system by the central bank, and improve the transmission efficiency of monetary policy.

3. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

4. General lending institutions will provide borrowers with a grace period for repayment. After the borrower finds that it is overdue, as long as the debt is paid off within the grace period, the personal credit record will not be affected. If the repayment grace period is exceeded, the overdue loan records can be uploaded to the central bank's credit information center database.

Whether it is equal principal and interest repayment method or average capital repayment method, the nature of interest will not change. Generally speaking, matching the principal and interest will pay a little more interest than the average capital, but only if the loan term is sufficient.

It seems that the bank has recovered the interest, but in fact, with the reduction of the principal, the average capital repayment method can speed up the repayment, withdraw the funds as soon as possible, reduce the operating cost and help reduce the risk coefficient. In the actual operation process, the matching of principal and interest is more conducive to the borrower to master and facilitate repayment.