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What's the interest on the bank deposit? How much is the loan interest? Current and fixed accounts
1. What's the interest on the bank deposit? How much is the loan interest? Current and fixed accounts

Rmb loan interest rate project annual interest rate) 4.86 half a year to one year (inclusive) 5.3 1 2. Medium-and long-term loans with a term of more than five years (inclusive) 5.76 5.94 person% with a term of more than five years1. Urban and rural residents and companies deposit (1) for 0.3 three months 1.7 1 half a year 1.98 1 deposit with interest for one year is 1.7 1 three years is/kloc. For the fixed term and two maturities of the same grade, the lump-sum deposit and withdrawal interest rate is 60%, the agreed deposit is 1. 17, and the notice deposit is 0.85438+0, 1.35 for seven days.

2. What is the interest on loans and deposits now?

The People's Bank of China decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from April 6, 1965. The benchmark interest rates for one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively, and the benchmark interest rates for other grades of deposits and loans and the interest rates for individual housing provident fund loans were adjusted accordingly (see attached table).

Adjustment table of benchmark interest rate for RMB deposits and loans of financial institutions Unit:%

On April 6th, the adjustment range of the interest rate adjustment table before and after the term adjustment I. Current deposit 0.400.500. 10 II. Current deposit. Three months in lump sum, 2.602.850.25 half a year, 2.803.050.25 one year, 3.003.250.25 two years, 3.9000. All loans are six months, 5.605.850.25, one year, 6.066.3 10.25, one to three years, 6. 106.400.30, three to five years, 6.456.650.20, more than five years, 6.606.800 ..

Generally speaking, the bank's deposit interest rate is 0.3%, the three-month time deposit interest rate is 1.43%, the one-year time deposit interest rate is about 2%, and the three-year and five-year deposit interest rates are above 3.5%. However, the interest regulations of different banks will be different, depending on the bank where the account is opened. For example, 1, Bank of China: current account 0.3%, three months 1.43%, six months 1.69%, one year 2. 1%, two years 2.73%, three years 3.575% and five years 3.575%. 2. Industrial and Commercial Bank of China: interest on current deposits is 0.3%, interest on fixed deposits is 3 months 1.43%, 6 months 1.69%, 1 year 1.85, 2.52% for two years, 3.3% for three years and 3.3% for five years. 3. China Construction Bank: interest on demand deposits is 0.3%, interest on time deposits is 3 months 1.43%, 6 months 1.75%, 2. 1% for one year, 2.94% for two years, 3.85% for three years and 3.85% for five years. 4. Bank of Communications: interest on current deposit is 0.3%, interest on fixed deposit is 3 months 1.43%, 6 months 1.69%, 1 year 1.95%, 2.73% for two years, 3.52% for three years and 3.52% for five years. : 1. The so-called interest rate is the abbreviation of "interest rate", which refers to the ratio of interest amount to deposit principal or loan principal within a certain period. Usually divided into annual interest rate, monthly interest rate and daily interest rate. The annual interest rate, in the simplest way, is the one-year deposit rate. If the general financial management or loan platform is the annual interest rate, it is expressed in the form of a few percent. Monthly interest rate, the interest rate calculated on a monthly basis, is generally expressed in one thousandth. If a platform shows 5‰, it must be a monthly interest rate. Daily interest, as the name implies, is the interest calculated according to the daily interest period, generally expressed in units of ten thousand. 2. Interest rate conversion formula: annual interest rate = monthly interest rate × 12 (month) = daily interest rate ×360 (day); Interest calculation is divided into cumulative interest method and transaction interest method: 1) The cumulative interest method is based on the actual number of days, and the daily cumulative account balance is the interest calculated by multiplying the cumulative product by the daily interest rate. The calculation formula is: interest = accumulated interest product × daily interest rate, where the accumulated interest product is equal to the total daily balance during the interest-bearing period. 2) Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula, which is divided into year-by-year, month-by-month and actual days. Interest is calculated on a yearly, monthly and daily basis. If the interest-bearing period is a whole year (month), the interest-bearing formula is: interest = principal × year (month )× year (month) interest rate. If the interest period has a whole year (month) and odd days, the interest formula is: interest = principal × year (month) × year (month) interest rate principal × odd days × daily interest rate. Calculate interest according to the actual number of days. That is, every year is 365 days (leap year is 366 days) and then every month is the actual number of days in the Gregorian calendar of that month. The interest calculation formula is: interest = principal × actual days × daily interest rate.