1. What is the interest rate of bank loans in the same period?
The current bank loan interest rate is the interest rate implemented in the current year. At present, the interest rates announced by the People's Bank of China for the same period are as follows: 1. Commercial loan: 65,438+0, the loan term is within one year (including one year), and the interest rate is 4.35%; 2. The loan term is one to five years (including five years) and the interest rate is 4.75%; 3. The loan term is more than five years, and the interest rate is 4.90%.
2. Provident fund loan: 1, the loan term is less than five years (including five years), and the interest rate is 2.75%; 2. The loan term is more than five years and the interest rate is 3.25%.
Major commercial banks will float the above benchmark interest rate, and the specific floating ratio will be determined according to the borrower's qualification, loan type and other factors.
After the borrower knows the loan interest rate, loan term and loan amount, he can use the formula "interest = loan principal loan interest rate loan term" to calculate interest.
: 1. The interest rate of bank loans is the ratio of the interest amount to the average loan occupation in a certain period, which is called interest rate for short.
Its calculation formula is: usually expressed as monthly interest rate and annual interest rate. The relationship between monthly interest rate and annual interest rate is: monthly interest rate × 12= annual interest rate ÷ 12= monthly interest rate.
The relationship between interest and interest rate is: interest = interest rate × principal. If the money is compound interest, then: interest = principal, interest-principal. Where: principal and interest = principal ×( 1 interest rate) term; Or: interest = principal ×.
2. The benchmark interest rate of housing mortgage refers to the unified benchmark interest rate of housing mortgage announced by the People's Bank of China, that is, the highest interest rate of housing mortgage.
When the bank loan interest rate is unstable and fluctuating, the bank can take the benchmark interest rate of housing mortgage loan as the highest current interest rate of bank mortgage loan and lower it by 65,438+00% and implement it.
According to the regulations of the People's Bank of China, the mortgage interest rate of individual housing of commercial banks can be lowered by 15%, but it must be the first self-occupied housing or the first housing loan has been settled.
3. The loan interest rate involves finance and credit. Raising the loan interest rate and expanding the deposit-loan spread will increase the bank's profit, reduce the enterprise's profit and reduce the fiscal revenue; On the contrary, lowering the loan interest rate and reducing the deposit-loan spread will reduce the profits of banks and increase the profits of enterprises, thus increasing fiscal revenue.
The upper limit of loan interest rate is a maximum set by the People's Bank of China, the national financial authority, for the specific implementation standards of loan processing limit and loan ceiling.
Interest rate of bank loans in China over the years
Please log in to China Bank official website (), click Financial Data-Deposit/Loan Interest Rate on the right side of the home page, and select historical data of loan interest rate according to currency to query.
The above contents are for your reference. Please refer to the actual business regulations.
20 13 what is the loan interest rate of China people's bank?
In 20 13, the loan interest rate of China People's Bank for the same period is as follows:
1 and within 6 months: the annual interest rate is 5.6%;
2.6 months or more 1 year or less: the annual interest rate is 6.00%.
3. 1-3 years: the annual interest rate is 6.15%;
4. 3-5 years: the annual interest rate is 6.40%;
More than 5.5 years: the annual interest rate is 6.55%.
Extended data
Interest rates are uniformly set by the central bank and implemented by commercial banks.
How to calculate interest:
Deposit interest = principal interest rate term (note that the interest rate announced by the central bank is in years, and if there is a demand for deposit for half a year, it will be converted into monthly interest rate and daily interest rate). The calculation of loan interest is more complicated: if it is paid off in one lump sum at maturity, it is the same as the calculation of deposit interest above. The calculation of mortgage interest is based on the annuity formula. The calculation formula of monthly mortgage payment is: a = p {i (1i) n/[(1i) n-1] a: monthly payment p: total contribution i: monthly interest rate (annual interest rate /65438).