Question 1: What is the recent annual interest rate of the bank? Annual interest rate (%).
(1) Current account 0.72
(2) On a regular basis
1. lump sum deposit and withdrawal
Three months 3.33
Half a year 3.78
A year 4. 14
Two years 4.68
5.40 pounds for three years
5.85 pounds for five years
2. lump-sum deposit and withdrawal, deposit and interest.
3.33 a year
Three years 3.78
Five years 4. 14
3. Fixed-income and double-income loans will be discounted at the same interest rate regularly within one year.
Two. Agreed deposit 1.53
3. Notice deposit.
One day 1. 17
Seven days 1.7 1
Question 2: Interest rate statements of banks in recent ten years, adjustment dates of deposit interest rate statements of China People's Bank over the years, current period, June 1 year, 2 years, 3 years and 5 years, 1990 . 08 . 2 164 . 326 . 488+000 . 500068666 5438+0 1 . 803 . 24509. 150.8 12.883.423.874.505.225.762007. / kloc-0/2.2 10.723.333.784. 144.685.405.852008. 10.090.723. 153.5 13.874.4654 38+05. 135.582008. 1 0.300.722.883.243.604. 144.775. 132008. 1 1.270.63 1.982.252.523.063.603.872008. 12.230.366 5438+0.7 / kloc-0/ 1.982.252.793.333.6020 10. 10.200.36 1.9 12.202.503.253.854.20
Question 3: How about the rise and fall of bank interest in recent years? Benchmark interest rate of RMB loans of financial institutions (unit: annual interest rate%):
Table 2: Release date of benchmark interest rate of commercial loans over the years: June (inclusive) 1 year (inclusive) 1~3 years (inclusive) 3~5 years (inclusive) or more.
20 1 1 09 February 5.600.256.060.256.100.256.450.236.600.20
2010 65438+February 26th 5.350.255.810.255.850.256.220.266.400.26
201010/0/October 20th 5.100.245.560.255.600.960.2006+040.2008808805
65438+February 23rd, 2008 4.86-0.185.31-0.275.40-0.275.76-0.185.94-0.18.
2008165438+1October 27th 5.04-0.995.58-1.085.67-1.085.94-1.086 ..
65438+20081October 30th 6.03-0.096.66-0.276.75-0.277.02-0.277.20-0.27.
June 65438+1October 09, 2008 6.12-0.096.93-0.277.02-0.277.29-0.277.47-0.27
September 2008166.21-0.367.20-0.277.29-0.277.56-0.187.74-0.09
June 5438+February 2 1, June 570.097.470.187.560.097.740.097.830.00.
September 2007 14
On aug. 22nd, 2007, 6210.187.020.187.200.187.8887.88888888886
Jul. 2 1 day, 2007, 6.030.186.840.277.20007.100088000007
May 2007:19: 5.850.186.570.186.750+086.930+087.200.09
March 2007, 18, 5.670.096.390.276.570.276.750+00.27. 36867 . 58686866667
August 2006 19, 5580. 186. 120. 55886 . 65543866366
April 28th, 2006 5.400.185.850.276.030.276.120.276.390.27.
Jun. 29th, 2004 +20041Oct. 29th, 5220.185.50000.0000000000005
February 2, 200215.04-0.545.31-0.545.49-0.455.58-0.455.76-0.45.
June1999105.58-0.545.85-0.545.94-0.726.03-1.176.438+0-1.
199865438+February176.12-0.456.39-0.546.66-0.457.20-0.457.56-0.45.
65438+July 0998, 0 1, 6.57-0.456.93-0.997.11.897.65-2.078.06438+0.
1March 25th, 998 7.02-0.647.92-0.729.00-0.369.72-0.1810.35-0.18.
1997 65438+123 October 7.65-.53...> & gt
Question 4: Hello, the deposit interest rate of ICBC in recent ten years. Send two interest rate change charts in recent years 10. The number of words is too large. The second picture follows the first one.
Question 5: What is the recent annual interest rate of the bank (1, 2,5 years)? The earliest implementation is 2008- 10-09.
(1) Current account 0.72
(2) On a regular basis
1. lump sum deposit and withdrawal
Three months 3. 15
Half a year 3.5 1
3.87 a year
Two years 4.4 1
Three years 5. 13
5.58 pounds for five years
2. lump-sum deposit and withdrawal, deposit and interest.
A year 3. 15
Three years 3.5 1
Five years 3.87
3. Fixed-income and double-income loans will be discounted at the same interest rate regularly within one year.
(3) Notice deposit.
One day 1. 17
Seven days 1.7 1
Question 6: deposit interest rate of commercial banks in recent years. The deposit rate is three months 1.35, six months 1.55, and the annual interest rate is 1.75. In this case, I personally think it is not appropriate to save money. If you want to save money through this, it is unlikely to be realized. In this case, it is not as good as the online financial platform. Financial management is a good choice.
Question 7: How to inquire about the bank's interest rate table in recent ten years? The interest rate in 20 years has been adjusted forty or fifty times. You have to do statistics. Everything you want is here. Historical data of RMB deposit interest rate: boc/finadata/lilv/fd3 1/
Historical data of RMB loan interest rate boc/finadata/lilv/fd32/
Question 8: What's the annual interest rate of bank time deposit recently? (One year, two years, three years, five years) Different banks have different interest rates.
On July 6, 20 12, deposit interest rate was adjusted and implemented. 201June 8th, February, interest rate marketization promoted reform. The upper limit of the floating range of deposit interest rate of financial institutions is adjusted to 1. 1 times of the benchmark interest rate, allowing commercial banks to have different deposit interest rates. Taking one-year deposit as an example, banks can set the one-year deposit interest rate at 1. 1 times 3%. Up to 1. 1 times, that is, the one-year deposit interest rate is 3.3%. Banks shall, according to their own conditions, implement the interest rate standard between the benchmark interest rate 1- 1. 1 times. At present, small and medium-sized banks such as city commercial banks and credit cooperatives implement the interest rate level of 1 10%, while large banks (industry and commerce, agriculture, construction, Bank of China, Bank of Communications and Postal Savings Bank) are between100%-10%. The adjusted benchmark interest rate for time deposits and the interest rates of large banks and small and medium-sized banks on July 6 are as follows.
Fixed deposit in lump sum and withdrawal
The central bank's three-month benchmark interest rate is 2.6% (2.85% for large banks and 2.86% for small and medium banks).
The half-year benchmark interest rate of the central bank is 2.8% (3.05% for large banks and 3.08% for small and medium banks).
The one-year benchmark interest rate of the central bank is 3.0% (3.25% for large banks and 3.3% for small and medium banks).
The two-year benchmark interest rate of the central bank is 3.75% (3.75% for large banks and 4. 125% for small and medium banks).
The three-year benchmark interest rate of the central bank is 4.25% (4.25% for large banks and 4.675% for small and medium banks).
The five-year central bank benchmark interest rate is 4.75% (4.75% for large banks and 5.225% for small and medium banks).
Question 9: Why have the deposit interest rates of major banks been lowered in recent years? Due to low consumption and deflation, when interest rates are lowered, residents will spend money, which can promote economic growth.
Question 10: What is the latest annual interest rate for time deposits? (5 years) From 20 10 10, the benchmark interest rate of RMB deposits and loans of financial institutions will be raised.
I. Urban and rural residents and deposit units:%
(1) Current deposit 0.36
(2) lump-sum deposit and withdrawal of time deposits
Three months 1.9 1
Half a year 2.20
2.50 a year
Two years of hair 3.25
3.85 pounds for three years
Five years 4.20
Second, the benchmark interest rate of commercial loans 2022
The latest benchmark interest rate of central bank loans in 2022
business
Within one year (including 1 year) 4.35
One to five years (including five years)
More than five years 4.90
Provident fund loan unit:%
Less than five years (including five years) 2.75
More than five years 3.25
Extended data:
Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises, generally short-term loans with a term of more than one year, but there are also a few major components of medium-and long-term loans, which generally account for more than one-third of the total loans.
Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the central bank, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same.
Commercial loans are the proportion of the guarantee balance of guarantee institutions that provide guarantees for commercial loans.
Process considerations:
1. Submit a loan application: When you have signed a house sales contract, you can apply for a second-hand mortgage loan from the bank guarantor. It is an important step to submit all the materials approved by the bank to the bank for review.
Mainly including ID card, household registration book, original and copy of marriage certificate; Foreign household registration needs to provide temporary residence permit or residence permit; Income certificate issued by the work unit; Purchase salary flow or other asset certificates for the past six months. In addition to the above five materials, different banks should also ask other materials required by the lending bank in detail.
2. Investigation accepted by the bank: After receiving the application materials of the loan applicant, the bank will review the materials. The general review time for commercial loans is 15 working days, and the longest time shall not exceed 1 month.
During the investigation, the bank will ask for information according to the situation. Therefore, during this period, the loan applicant needs to contact the bank.
3. Bank verification and approval: the loan bank will verify several aspects: the situation of the house, the qualification and credit status of the borrower, etc. This is an important link in the process of commercial loans. If the credit of the loan applicant is not good, it will directly lead to the failure of the loan application, so it is very important to use it.
4. Both parties shall go through relevant formalities: the bank informs the loan applicant that after the loan is approved, it is necessary to open an account in the bank, get a debit card and sign a loan contract. At the same time, handle mortgage, guarantee, pledge, insurance and other related guarantee procedures. When signing a loan contract and handling the guarantee procedures, you must be clear about your rights and obligations to avoid unnecessary misunderstandings.
5. Bank loan: After all loan procedures are completed, the bank transfers the loan funds to the account of the real estate developer, and the loan relationship is established, and the lender repays the loan according to the regulations.
Third, the benchmark interest rate of commercial loans over the years.
If you want to know the current benchmark annual interest rate of loans, you can go to www.cmbchina.com, the homepage of China Merchants Bank, and click "Loan Interest Rate" on the right.
4. American benchmark interest rate over the years?
Adjustment range adjustment level (%)
the year of 2008
On April 30, it was lowered by 25 basis points and 2.00 points respectively.
March 18, down 75 basis points, 2.25.
65438+1October 30, down 50 basis points by 3.00.
65438+1October 22nd, down by 75 basis points by 3.50.
In 2007
June 65438+February 1 1, down 25 basis points, 4.25.
65438+1October 3 1, down 25 basis points by 4.50.
On September 18, it was lowered by 50 basis points, 4.75.
In 2006
On June 29, it was raised by 25 basis points, 5.25.
May 10, up 25 basis points, 5.00.
On March 28th, it was raised by 25 basis points, 4.75.
1, 3 1, 25 basis points, 4.50.
In 2005
65438+February 65438+March 25 basis point 4.25.
1 65438+1October1Up by 25 basis points by 4.00.
On September 20, it was raised by 25 basis points, 3.75.
On August 9, it was raised by 25 basis points to 3.50.
On June 30, it was raised by 25 basis points, 3.25.
On May 3rd, it was raised by 25 basis points to 3.00.
On March 22, it was raised by 25 basis points, 2.75.
On February 2, it was raised by 25 basis points, 2.50.
In 2004
65438+February 65438+April 25th, basis point 2.25.
165438+1October 10, with an increase of 25 basis points of 2.00.
September 2 1, an increase of 25 basis points, 1.75.
August 10, up by 25 basis points 1.50.
On June 30th, it was raised by 25 basis points, 1.25.
In 2003
On June 25th, it was lowered by 25 basis points, 1.00.
In 2002
1 1.6, down 50 basis points 1.25.
200 1 year
65438+65438 in February+25 basis points decline in February 1.75
1October 6 165438+50 basis points 2.00.
10 year 10 2, down by 50 basis points by 2.50.
On September 17, it was lowered by 50 basis points by 3.00.
August 2 1 day is lowered by 25 basis points, 3.50.
On June 27th, it was lowered by 25 basis points to 3.75.
On May 15, it was lowered by 50 basis points by 4.00.
On April 18, it was lowered by 50 basis points, 4.50.
On March 20th, it was lowered by 50 basis points and 5.00 points respectively.
1, 3 1, down 50 basis points, 5.50.
1.3, down 50 basis points by 6.00.
In 2000,
On May 16, it was raised by 50 basis points, 6.50.
March 2 1, up 25 basis points, 6.00.
On February 2, it was raised by 25 basis points, 5.75.
1999
165438+1October16, with an increase of 25 basis points or 5.50.
On August 24, it was raised by 25 basis points, 5.25.
On June 30th, it was raised by 25 basis points, 5.00.
1998
165438+1October 17, down 25 basis points, 4.75.
10 June 15 decreased by 25 basis points by 5.00.
On September 29th, it was lowered by 25 basis points, 5.25.
1997
On March 25th, it was raised by 25 basis points, 5.50.
1996
1, 3 1, down 25 basis points, 5.25.
1995
65438+February 19, down 25 basis points, 5.50.
On July 6, it was lowered by 25 basis points, 5.75.
February 1, up 50 basis points, 6.00.
1994
165438+1October 65438+May, with increases of 75 basis points and 5.50 respectively.
On August 16, it was raised by 50 basis points, 4.75.
On May 17, it was raised by 50 basis points, 4.25.
On April 18, it was raised by 25 basis points, 3.75.
On March 22, it was raised by 25 basis points, 3.50.
On February 4, it was raised by 25 basis points, 3.25.
1993
unregulated
1992
On September 4th, it was lowered by 25 basis points by 3.00.
On July 2, it was lowered by 50 basis points, 3.25.
On April 9, it was lowered by 25 basis points, 3.75.
199 1 year
65438+On February 20th, it was lowered by 50 basis points by 4.00.
65438+February 6, 25 basis points fell by 4.50.
165438+1October 6, 25 basis points lower, 4.75.
65438+1October 3 1, down 25 basis points by 5.00.
On September 13, it was lowered by 25 basis points, 5.25.
On August 6th, it was lowered by 25 basis points to 5.50.
On April 30th, it was lowered by 25 basis points, 5.75.
On March 8, it was lowered by 25 basis points to 6.00.
February 1, down 50 basis points, 6.25.
65438+ 10 9, down by 25 basis points, 6.75.
1990
65438+February 18 is lowered by 25 basis points by 7.00.
65438+February 7, down 25 basis points 7.25
165438+1October 13, down 25 basis points by 7.50.
1October 29th 10, down by 25 basis points, 7.75.
On July 13, it was lowered by 25 basis points, 8.00.