5.6%。 The benchmark interest rate of China People's Bank for 20 13 years is as follows: annual interest rate is 5.6% within 6 months, 6.00% for 6 months and 1 3 years, 6. 15% for 3-5 years. The benchmark interest rate of PBOC loan refers to the bank loan interest rate issued by the People's Bank of China, which is instructive. The benchmark interest rate of PBOC loans is usually a common means for the People's Bank of China to regulate the money supply. This is one of the central bank's monetary policies.
What is the interest rate of China Agricultural Bank's 20 13 mortgage?
I. Commercial loans:
1, the loan term is within 6 months (inclusive), and the interest rate is 5.6%.
2. The loan term is 6 months to 1 year (inclusive), and the interest rate is 6%.
3. The loan term is 1 to 3 years (inclusive), and the interest rate is 6. 15%.
4. The loan term is 3 to 5 years (inclusive) and the interest rate is 6.4%.
5. The loan term is more than 5 years and the interest rate is 6.55%.
Second, housing provident fund loans:
1, the loan term is within 5 years (inclusive), and the interest rate is 4%.
2. The loan term is more than 5 years and the interest rate is 4.5%.
The bank's loan interest rates are all implemented according to the benchmark interest rate of the central bank and fluctuate within the prescribed range. When you apply for a housing loan in a bank, the loan interest rate is generally 1. 1 times the benchmark interest rate, which is 5.39%, and the mortgage interest rate in a few areas exceeds 6%. If you apply for a second home loan, the mortgage interest rate will be higher.
Extended data:
Matters needing attention for users to apply for loans:
Don't use the provident fund before applying for a loan: if the borrower withdraws the balance of the provident fund before the loan, the balance of the provident fund in his provident fund account will become zero, and the amount of the provident fund loan will become zero. In other words, you can't successfully apply for provident fund loans at this time.
It is best not to repay the loan in advance within the last year, because according to the relevant provisions of provident fund loans, part of the prepayment should be made after one year of repayment, and the amount returned by the lender should not be less than six months of repayment.