According to Beiwu, many banks in Guangzhou recently lowered the mortgage interest rate by 5- 10 percentage point. However, in view of the fact that the mortgage interest rate in Guangzhou has risen above the benchmark interest rate 10%-20%, it is still above the benchmark interest rate despite some adjustments.
List of benchmark interest rates for central bank loans
Project annual interest rate%
I. Short-term loans
Annual interest rate within one year (including one year): 4.35%
Second, medium and long-term loans
Annual interest rate for one to five years (including five years): 4.75
Annual interest rate for more than five years: 4.90
Three, personal housing provident fund loans
Annual interest rate for five years or less: 2.75.
Annual interest rate for more than five years: 3.25
At present, among the first-tier banking companies in Guangzhou 17, the interest rate of the first home loan has risen by 5%- 10%, which has become the mainstream. Among them, the interest rates of the first home loans of the three banks were raised by 5% or 5.5%. For example, the interest rate of ICBC's first home loan was lowered from 10% to 5%, and the interest rate of China Bank's first home banquet cherry blossom loan was lowered from 10% to 5.5%. In addition, the first home loan interest rates of China Merchants Bank, Rural Commercial Bank and Industrial Bank have also been imitated or adjusted. As for the interest rate of the second home loan, most banks have also lowered the interest rate of the second home loan. At present, they mainly implement floating 10%- 15%.
How long does it take for Guangzhou Bank to lend money?
The response time of short-term loans shall not exceed 1 month, and the response time of medium-and long-term loans shall not exceed 6 months.
The "general principles of loans" have corresponding provisions:
Article 23 Obligations of the Lender:
1. The type, term and interest rate of loans operated shall be announced, and the borrower shall be consulted.
Two, the credit content of the loan review and the conditions for issuing loans should be made public.
Three, the lender should consider the borrower's loan application, and timely reply whether the loan. The response time of short-term loans shall not exceed 1 month, and the response time of medium-and long-term loans shall not exceed 6 months; Unless otherwise stipulated by the state.
Extended data:
Laws and regulations related to the general principles of loans:
Article 47 The lender shall charge interest on the loan that cannot be repaid within the time limit stipulated in the loan contract; If the principal and interest cannot be repaid or cannot be executed, it should be urged to repay or repay according to law.
On the basis of true reflection and accurate identification of relevant transaction information by cooperative institutions, card issuers decide whether to provide cash recharge service based on the principles of controllable risks and sustainable business, give full play to the role of price levers such as interest rates, and pursue the optimal balance between risks and benefits.
Article 48 These Measures shall not be implemented for the time being for the productive loans issued by banking financial institutions to farmers and other special personal loans stipulated by special state policies. These measures are not applicable to credit card overdraft.