The loan interest rate of Nanjing Bank in Xuzhou generally fluctuates on the basis of the benchmark interest rate of the People's Bank of China, and is generally adjusted according to factors such as personal credit and personal income level.
China People's Bank loan benchmark interest rate standard is as follows:
I. Commercial loans:
The interest rate is 1, and the loan term is 4.35% within 1 year;
2. The interest rate for loan term 1 to 5 years is 4.75%;
3. The loan interest rate with a term of more than 5 years is 4.90%;
2. Provident fund loans:
1, and the interest rate for loans with a term of less than 5 years is 2.75%;
2. The loan interest rate with a term of more than 5 years is 3.25%.
2. What is the interest rate of the first suite in Xuzhou in 2020?
On June 20 19, the central bank issued an announcement. From June 8, 20 19, the interest rate of new commercial personal housing loans is based on the LPR of the corresponding period in the latest month (the added value is fixed during the remaining period of the contract), and it is no longer linked to the benchmark interest rate of central bank loans.
1 From February 2020, the interest rate of the first home loan in Xuzhou area is about 70BP according to the five-year LPR of the same period. For example, the price of LPR in February 2020 is: 1 year 4.05%; For more than 5 years, it is 4.75%; if 70BP is added, it is 4.75%0.7%( 1BP is 0.0 1%)=5.45%.
3. Xuzhou mortgage interest rate loan is 455,000 yuan 10 year. How much is it per month?
Look at your loan interest rate and repayment method. If the principal and interest are 4.9, the monthly payment is 4,803.77.
Four, Xuzhou Bank credit loan interest rate
There are two interest rate policies for credit loans of Xuzhou Bank. One is the benchmark interest rate. At this time, the interest rate is affected by the central bank's pricing, and its interest rate will release a new interest rate standard around March 1 every year. The other is the demand interest rate, which is influenced by the interbank market interest rate, and the demand interest rate will fluctuate with the change of the interbank market interest rate.