Bank of China loan interest rate

List of Bank of China loan interest rate table in 2022

List of Bank of China loan benchmark interest rate table in 2022

Item Annual interest rate

Baseline interest rate

1. Short-term loans

Within one year (including one year) 4.35

2. Medium- and long-term loans

One to five years (including five years) 4.75

More than five years 4.90

3. Annual interest rate of personal housing provident fund loans

5 Less than five years (including five years) 2.75

More than five years 3.25

Note: The interest rates in this interest rate table are for reference only, and the specific details are subject to the announcements from the business outlets

Bank of China loan conditions and requirements

Bank of China has different types of loans, and the application conditions for different types of loans are different. Taking Bank of China personal credit loans as an example, the following conditions need to be met:

1. The borrower has a fixed residence in China, has a permanent residence in a local urban area, and is a Chinese citizen with full capacity for civil conduct;

2. The borrower has stable work and income, and has a regular The ability to repay the principal and interest of the loan;

3. The borrower abides by the law and has no illegal behavior or bad credit record;

4. The borrower opens a personal settlement account at Bank of China;

5. Meet other conditions of Bank of China.

2022 Bank of China RMB loan reference interest rate

Effective from October 24, 2015

Project annual interest rate ()

One , short-term loan

Within six months (including six months) 4.35

Six months to one year (including one year) 4.35

II. Long-term loan

One to three years (inclusive) 4.75

Three to five years (inclusive) 4.75

More than five years 4.90

3. Personal housing provident fund loans

Five years or less (including five years) 2.75

Five years or more 3.25

Loan interest rate list

Whether the bank’s loan interest rate is high or low depends on how much interest fees the user has to pay. Users should carefully choose the loan interest rate and loan period when taking out a loan. The longer the loan period, the higher the interest to be paid. When taking out a loan, you should also carefully review the contents of the loan contract. The following is the relevant content of the 2021 bank loan interest rate table.

List of bank loan interest rates in 2021

1. Central Bank: The interest rate for six months (including six months) is 4.35, and the interest rate from six months to one year (including one year) is 4.35, the interest rate for one to three years (including three years) is 4.75, the interest rate for three to five years (including five years) is 4.75, and the interest rate for more than five years is 4.9;

2. Industrial and Commercial Bank of China: six months ( The interest rate for six months (including six delivery months) is 4.35, the interest rate for six months to one year (including one year) is 4.35, the interest rate for one to three years (including three years) is 4.75, and the interest rate for three to five years (including five years) is 4.75 , the interest rate for more than five years is 4.9;

3. Agricultural Bank of China: the interest rate for six months (including six months) is 4.35, the interest rate for six months to one year (including one year) is 4.35, one to three The interest rate for one year (including three years) is 4.75, the interest rate for three to five years (including five years) is 4.75, and the interest rate for more than five years is 4.9;

4. China Construction Bank: six months (including six months) ) The interest rate is 4.35, the interest rate for six months to one year (including one year) is 4.35, the interest rate for one to three years (including three years) is 4.75, the interest rate for three to five years (including five years) is 4.75, and the interest rate for more than five years is 4.75. The interest rate is 4.9;

5. Bank of China: the interest rate is 4.35 for six months (including six months), the interest rate is 4.35 for six months to one year (including one year), and the interest rate is 4.35 for one to three years (inclusive). The interest rate for three years) is 4.75, the interest rate for three to five years (including five years) is 4.75, and the interest rate for more than five years is 4.9;

6. Bank of Communications: the interest rate for six months (including six months) is The interest rate for six months to one year (including one year) is 4.35, the interest rate for one to three years (including three years) is 4.75, the interest rate for three to five years (including five years) is 4.75, and the interest rate for more than five years is 4.9;

7. China Merchants Bank: The interest rate for six months (including six months) is 4.35, the interest rate for six months to one year (including one year) is 4.35, and the interest rate for one to three years (including three years) is 4.75 , the interest rate for three to five years (including five years) is 4.75, and the interest rate for more than five years is 4.9;

8. China CITIC Bank: the interest rate for six months (including six months) is 4.35, and the interest rate for six months to The interest rate for one year (including one year) is 4.35, the interest rate for one to three years (including three years) is 4.75, the interest rate for three to five years (including five years) is 4.75, and the interest rate for more than five years is 4.9;

9. China Everbright Bank: The interest rate for six months (including six months) is 4.35, the interest rate for six months to one year (including one year) is 4.35, the interest rate for one to three years (including three years) is 4.75, and the interest rate for three to five years (including three years) is 4.75. The interest rate for five years (including five years) is 4.75, and the interest rate for more than five years is 4.9;

10. Shanghai Pudong Development Bank: the interest rate for six months (including six months) is 4.35, and the interest rate is 4.35 for six months to one year (including one year) ) The interest rate is 4.35, the interest rate for one to three years (including three years) is 4.75, the interest rate for three to five years (including five years) is 4.75, and the interest rate for more than five years is 4.9;

11. Shenzhen Development Bank: The interest rate for six months (including six months) is 5.6, the interest rate for six months to one year (including one year) is 6.15, the interest rate for one to three years (including three years) is 6.15, and the interest rate for three to five years (including five years) is 6.15 The interest rate is 6.4, and the interest rate for more than five years is 6.55;

12. Ping An Bank: the interest rate for six months (including six months) is 4.35, and the interest rate for six months to one year (including one year) is 4.35. The interest rate for one to three years (including three years) is 4.75, the interest rate for three to five years (including five years) is 4.75, and the interest rate for more than five years is 4.9;

13. Guangfa Bank: six months (including six years) The interest rate for six months to one year (including one year) is 4.35, the interest rate for one to three years (including three years) is 4.75, the interest rate for three to five years (including five years) is 4.75, and the interest rate for five years is 4.75. The interest rate for more than one year is 4.9;

14. Huaxia Bank: The interest rate for six months (including six months) is 4.35, the interest rate for six months to one year (including one year) is 4.35, and the interest rate for one to three years (including one year) is 4.35. The interest rate for three years (including three years) is 4.75, the interest rate for three to five years (including five years) is 4.75, and the interest rate for more than five years is 4.9;

15. Minsheng Bank: interest rate for six months (including six months) is 4.35, six months to one year (including one year

) The interest rate is 4.35, the interest rate for one to three years (including three years) is 4.75, the interest rate for three to five years (including five years) is 4.75, and the interest rate for more than five years is 4.9;

16. Industrial Bank: Six The interest rate is 4.35 per month (including six months), the interest rate is 4.35 for six months to one year (including one year), the interest rate is 4.75 for one to three years (including three years), and the interest rate is 4.75 for three to five years (including five years). 4.75, the interest rate for more than five years is 4.9;

17. Bank of East Asia: the interest rate for six months (including six months) is 4.35, the interest rate from six months to one year (including one year) is 4.35, one to The interest rate for three years (including three years) is 4.75, the interest rate for three to five years (including five years) is 4.75, and the interest rate for more than five years is 4.9;

18. Bank of Beijing: six months (including six years) The interest rate from six months to one year (including one year) is 4.35, the interest rate from one to three years (including three years) is 4.75, the interest rate from three to five years (including five years) is 4.75, and the interest rate for more than five years is 4.75 19. Postal Savings Bank of China: The interest rate for six months (including six months) is 4.35, the interest rate for six months to one year (including one year) is 4.35, and the interest rate for one to three years (inclusive) is 4.35. The interest rate for three years) is 4.75, the interest rate for three to five years (including five years) is 4.75, and the interest rate for more than five years is 4.9;

20. Texas Bank: The interest rate for six months (including six months) is The interest rate for six months to one year (including one year) is 4.35, the interest rate for one to three years (including three years) is 4.75, the interest rate for three to five years (including five years) is 4.75, and the interest rate for more than five years is 4.9;

21. Shengjing Bank: The interest rate for six months (including six months) is 4.35, the interest rate for six months to one year (including one year) is 4.35, and the interest rate for one to three years (including three years) is 4.75, the interest rate for three to five years (including five years) is 4.75, and the interest rate for more than five years is 4.9;

22. Guiyang Bank: the interest rate for six months (including six months) is 4.35, and the interest rate for six months is 4.35. The interest rate for one year (including one year) is 4.35, the interest rate for one to three years (including three years) is 4.75, the interest rate for three to five years (including five years) is 4.75, and the interest rate for more than five years is 4.9;

23. Dandong Bank: The interest rate for six months (including six months) is 4.35, the interest rate for six months to one year (including one year) is 4.35, the interest rate for one to three years (including three years) is 4.75, and the interest rate for three to five years is 4.75 The interest rate for six months (including five years) is 4.75, and the interest rate for more than five years is 4.9;

24. Harbin Bank: the interest rate for six months (including six months) is 4.6, and the interest rate for six months to one year (including one year) is 4.6. year) the interest rate is 4.6, the interest rate for one to three years (including three years) is 5, the interest rate for three to five years (including five years) is 5, and the interest rate for more than five years is 5.15;

25. Luoyang Bank: The interest rate for six months (inclusive) is 4.35, the interest rate from six months to one year (inclusive) is 4.35, the interest rate from one to three years (inclusive) is 4.75, the interest rate from three to five years (inclusive) is 4.75 It is 4.75, and the interest rate for more than five years is 4.9.

This article mainly writes about the knowledge points related to the 2021 bank loan interest rate table, and the content is for reference only.

Loan interest rates of major banks

The loan interest rate of banks within one year (inclusive) is 4.35, and the loan interest rate of more than five years is 4.9. The mortgage interest rates are all floating interest rates by default, that is, the LPR is used as the pricing benchmark, and the interest rate calculated after adding basis points is the final mortgage interest rate. LPR will change. The LPR interest rate in November 2020 is: 3.85 for one-year term; 4.65 for five-year term.

Extended information:

Bank mortgage interest rates are generally calculated based on the central bank's benchmark interest rate, and different banks have different floating standards; take the mortgage interest rates of various commercial banks in Shenzhen as an example:

1. Bank of China, Industry, Agriculture, Construction, China Merchants Bank, and Bank of Beijing: The interest rate for the first home has increased by 10% (the interest rate for more than five years is 5.39), and the interest rate for the second home has increased by 15% (the interest rate for more than five years is 5.635);

2. Bank of Communications: The interest rate for first-time homes rises by 15% (the interest rate for more than five years is 5.635), and the interest rate for second-time homes rises by 20% (the interest rate for more than five years is 5.88);

3. Industrial Bank: The interest rate for first-time homes rises 15 (the interest rate for more than five years is 5.635), and the interest rate for second homes rises by 40 (the interest rate for more than five years is 6.86).

Loan interest ranking table of major banks 2022

1. China’s four major banks refer to Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, and Bank of China. Their commercial loans and provident fund loans in 2022 The interest rates are the same, and the actual interest rates are as follows:

1. Short-term loans: within six months (including six months) 4.35, six months to one year (including one year) 4.35;

2. Medium and long-term loans: one to three years (including three years) 4.75, three to five years (including five years) 4.75, more than five years 4.9;

3. Housing provident fund loans : 2.75 for less than five years (including five years) and 3.25 for more than five years.

Second, the deposit interest rates of the four major banks:

1. Bank of China: the 1-year interest rate is 1.75, the 2-year interest rate is 2.25, the 3-year interest rate is 2.75, and the 5-year interest rate is 2.75 ;

2. China Construction Bank: 1-year interest rate is 1.75, 2-year interest rate is 2.25, 3-year interest rate is 2.75, 5-year interest rate is 2.75;

3. Industrial and Commercial Bank of China: 1 The annual interest rate is 1.75, the 2-year interest rate is 2.25, the 3-year interest rate is 2.75, and the 5-year interest rate is 2.75;

4. Agricultural Bank of China: the 1-year interest rate is 1.75, the 2-year interest rate is 2.25, and the 3-year interest rate is 2.75. is 2.75, and the 5-year interest rate is 2.75.

The above is the content related to the interest rates of the four major banks in 2022.

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List of bank loan interest rates in 2022

What are the loan interest rates of major banks

According to the announcement of the Central Bank:

The central bank’s benchmark loan interest rate:

(1) Short-term loan: the adjusted interest rate within one year (including one year) is 4.35.

(2) Medium and long-term loans: the adjusted interest rate for one to five years (including five years) is 4.75; the adjusted interest rate for more than five years is 4.90.

(3) Personal housing provident fund loans: five The adjusted interest rate for less than five years (including five years) is 2.75; the adjusted interest rate for more than five years is 3.25.

About the loan interest rates of the six major banks:

1. Industrial and Commercial Bank of China

Industrial and Commercial Bank of China, the loan interest rate for short-term loans (within six months, inclusive) is 4.35; the loan interest rate for six months to one year, inclusive, is 4.35. The loan interest rate for one to three years (inclusive) is 4.75, and the loan interest rate for more than five years is 4.9.

If it is a provident fund loan, the interest rate for loans under five years (including five years) is 2.75; for loans over five years, the interest rate is 3.25.

2. Agricultural Bank of China

The loan interest rate of Agricultural Bank of China for short-term loans (within six months, inclusive) is 4.35; the loan interest rate for one to five years (including five years) The interest rate for loans over five years is 4.75, and the interest rate for loans over five years is 4.9. For personal housing provident fund loans, the interest rate for loans with five years and below is 2.75, and the interest rate for loans with five years and above is 3.25.

3. Central Bank

The loan interest rate for Chinese bank loans within one year (including one year) is 4.35, the loan interest rate for one to five years (including five years) is 4.75, and the loan interest rate for five years is 4.75. The loan interest rate above is 4.9.

For personal housing provident fund loans, the interest rate for loans with five years and below is 2.75, and the interest rate for loans with five years and above is 3.25.

4. Bank of Communications

The loan interest rate of Bank of Communications within one year (including one year) is 4.35, the loan interest rate of one to five years (including five years) is 4.75, and the loan interest rate of five years is 4.75. The loan interest rate above is 4.9.

5. China Construction Bank

The loan interest rate for short-term loans (within six months inclusive) of China Construction Bank is 4.35; the loan interest rate for one to five years (including five years) The interest rate for loans over five years is 4.75, and the interest rate for loans over five years is 4.9.

6. Postal Savings Bank

Postal Savings Bank, the loan interest rate (within six months, inclusive) is 4.35; loans from one to five years (inclusive) The interest rate is 4.75, and the interest rate for loans over five years is 4.9.

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