The answer is as follows:
Interest shall not exceed 4 times of the bank's loan interest rate in the same period, that is to say, the interest rate of private loans shall not exceed 4 times of the bank's loan interest rate in the same period. This "loan interest rate for the same period" refers to the benchmark interest rate set by the central bank. If it is exceeded, the excess part is not protected by national laws.
The bank's loan interest rate is the benchmark interest rate announced by the central bank, but it can fluctuate up and down within the prescribed range (generally, the upper limit is 1.2 times and the lower limit is 0.7 times), and banks can determine it by themselves according to their own operating conditions.
Although the loan interest rates of different banks are different, there is a "benchmark interest rate" set by the central bank. Private loans can't exceed four times the bank's loan interest rate for the same period, which means it can't exceed four times the "benchmark interest rate" set by the central bank.
2. What is the legal interest rate stipulated by the People's Bank of China for the same period?
What is the legal interest rate stipulated by the People's Bank of China for the same period? If you need to inquire about the benchmark interest rate of deposits and loans, it is suggested to provide specific deposit and loan terms and call the customer service center of Agricultural Bank of China for help.
What is the deposit and loan interest rate stipulated by the People's Bank of China? From 2065438+2004165438+1October 22, the benchmark interest rate for short-term loans within one year (including one year) is 5.60%, the benchmark interest rate for lump-sum deposits is 2.75%, and the benchmark interest rate for demand deposits is 0.35%.
The upper limit of loan interest rate stipulated by the People's Bank of China? What is the upper and lower limit of the loan interest rate stipulated by the People's Bank of China? The lower limit is 0.9 times of the benchmark loan interest rate, and the upper limit is 1.7 times of the benchmark loan interest rate.
How to calculate the benchmark interest rate of loans for the same period stipulated by the People's Bank of China Yes, the loan interest is calculated according to the actual number of days. Seek adoption
The current loan interest rate stipulated by the People's Bank of China is 6,543,800 yuan, depending on whether you are a housing loan or a personal loan. 5.85% within six months (including six months), with a loan of 654.38 million+487.5 for one month; 6.3 1% for half a year to one year (including one year), and 525.8 for monthly payment of 65438+ ten thousand; 6.4% for one year to three years (including three years), and 533.3% for a monthly loan of 6,543,800 yuan; 6.65% for three to five years (including five years), with a loan of 654.38+ 10,000 yuan a month of 554.8+06; More than five years, 6.8, loan 654.38+ million, monthly payment 566.66.
What is the interest rate of time deposit of China People's Bank? Interest rates are generally divided into annual interest rate, monthly interest rate and daily interest rate. The annual interest rate is usually expressed as a percentage. For example, the annual interest rate is 7.2%, which means that the principal is 100 yuan, and the accrued interest for one year is 7.2 yuan. The monthly interest rate is usually expressed in one thousandth. For example, the monthly interest rate is 6‰, which means that the principal is 65,438 yuan+0,000 yuan, and the accrued interest is 6 yuan. The daily interest rate is usually expressed in ten thousand units, for example, the daily interest rate is 20/000, that is, the principal is 10000 yuan, and the daily accrued interest is 2 yuan. In the calculation process, it should be noted that the expression of interest rate should correspond to the expression of deposit term. Year, month and day can be converted into each other, and so can annual interest rate, monthly interest rate and daily interest rate: annual interest rate = monthly interest rate × 12= daily interest rate × 360 month interest rate = annual interest rate ÷ 12= daily interest rate× 30 day interest rate = monthly interest rate ÷30= annual interest rate× 360 month interest rate. The principal can be the deposit amount or the loan amount. Time is the actual time of deposit or loan. Interest rate is the ratio of determined interest amount to deposit amount. The calculation method of interest is divided into simple interest and compound interest. The calculation formula of simple interest is: sum of principal and interest = principal ×( 1 interest rate× term) interest = principal × interest rate× term. For example, a depositor's five-year time deposit 1000 yuan, with an annual interest rate of 13.68%. When the deposit expires, the depositor should get interest: 1000. Compound interest is the symmetry of simple interest, that is, after a certain period of time (such as one year), the accrued interest principal is recalculated and accumulated one by one. The calculation formula of compound interest is: the sum of principal and interest = principal (1 interest rate) n where n means periodic interest = principal and-principal. At present, the calculation method of simple interest is still widely used in China.
What is the monthly benchmark interest rate of China People's Bank for loans in the same period? Loan interest rate (1) The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different lending banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis of the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on July 7, 20 1 1 year. Types and annual interest rates are as follows: ① Six-month (inclusive) short-term loan 6.10%; ② 6.56% from half a year to one year (inclusive); ③ One to three years (inclusive) 6.65%; ④ Three to five years (inclusive) 6.90%; ⑤ More than five years and 7.05%. (2) Take mortgage as an example: comprehensively evaluate the bank loan interest rate according to the credit status of the loan, and determine the loan interest rate level according to the credit status, collateral and national policy (whether it is the first suite or not). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is 1 of the benchmark interest rate. Since February 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. At the beginning of April, large state-owned banks began to implement preferential interest rates for the first home loan. The interest rate discount of some banks can be up to 15%. The interest rate after 15% discount for more than five years is 7.05%0.85=5.9925%.
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: the annual interest rate is 5.6% within 6 months, 6.00% within 1 year, 6. 15% within 3-5 years and 6.55% within 5 years.
What is the 3-year fixed deposit interest rate of China People's Bank in March 2009? Table 1, urban and rural residents and corporate deposits (1), current deposits 0.36 (2) time deposits 1. Three-month lump-sum deposit and withdrawal 1.7 1 six months 1.98 1 year 2.25 2.79 3 years 3.33 5 years 3.603. The interest rates of time deposits and time deposits are the same within one year. Short-term loans within six months (including six months) 4.86 Six months to one year (including one year) 5.3 1 2. Medium-and long-term loans within one to three years (including three years) 5.40 Three to five years (including five years) 5.76 More than five years 5.94 Project annual interest rate (%) 1. Short-term loans within six months (including six months) 4.84
3. What is the legal interest rate stipulated by the People's Bank of China for the same period?
What is the legal interest rate stipulated by the People's Bank of China for the same period? If you need to inquire about the benchmark interest rate of deposits and loans, it is suggested to provide specific deposit and loan terms for help.
The deposit and loan interest rate stipulated by the People's Bank of China is 20141.22, the benchmark interest rate for short-term loans within one year (including one year) is 5.60%, and the benchmark interest rate for one-year time deposits and demand deposits is 2.75%.
The upper limit of loan interest rate stipulated by the People's Bank of China? What is the upper and lower limit of the loan interest rate stipulated by the People's Bank of China? The lower limit is 0.9 times of the benchmark loan interest rate, and the upper limit is 1.7 times of the benchmark loan interest rate.
How to calculate the benchmark interest rate of loans for the same period stipulated by the People's Bank of China Yes, the loan interest is calculated according to the actual number of days.
Seek adoption
What is the current loan interest rate of 6,543,800 yuan stipulated by the People's Bank of China?
Within six months (including six months), 5.85%, with a loan of 65,438+10,000 yuan and a monthly payment of 487.
6.3 1% for half a year to one year (including one year), and 525.8 for monthly payment of 65438+ ten thousand;
6.4% for one year to three years (including three years), and 533.3% for a monthly loan of 6,543,800 yuan;
Third, the monthly loan of 6,543,800 yuan is 554.438+06;
More than five years, 6.8, loan 654.38+ million, monthly payment 566.66.
What is the interest rate of time deposit of China People's Bank? Interest rates are generally divided into annual interest rates. The annual interest rate is usually expressed as a percentage, that is, the annual accrued interest 7.2 yuan representing the principal of 65,438+000 yuan. The monthly interest rate is usually expressed in one thousandth. For example, the monthly interest rate is 6‰, which means that the principal is 1 1,000 yuan. When 1 month expires, it is usually expressed in units of ten thousand. For example, the daily interest rate is 20/000, which means the principal is 1 000 yuan. Note that the expression of interest rate should correspond to the expression of deposit term. Annual interest rate, monthly interest rate and daily interest rate can also be converted: annual interest rate = monthly interest rate × 12= daily interest rate× 360 monthly interest rate = annual interest rate ÷ 12÷30= annual interest rate ÷360. The basic formula for calculating interest has three elements, namely principal, time and interest rate. The principal can be the deposit amount or the loan amount. Time is the actual time of deposit or loan. Interest rate is the ratio of determined interest amount to deposit amount. The calculation method of interest is divided into simple interest and compound interest. The calculation formula of simple interest is: the sum of principal and interest = principal× (1interest principal× interest rate× term, for example, a depositor has a deposit of 100 13.68%, and when the deposit expires, the depositor should get interest:1000×/kloc-. Compound interest is the symmetry of simple interest, that is, after a certain period of time (such as interest), it is calculated in stages. Compound interest sum = principal (1 interest rate) n formula interest and-principal are generally calculated according to simple interest in China.
What is the monthly interest rate and loan interest rate (1)? The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different loan banks. Determine the differential loan interest rate according to various factors, that is, float up or down on the basis of the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on July 7, 20 1 1 year. Types and annual interest rates are as follows: ① Six-month (inclusive) short-term loan 6.10%; ② 6.56% from half a year to one year (inclusive); ③ One to three years (inclusive) 6.65%; ④ Three to five years (inclusive) 6.90%; ⑤ More than five years and 7.05%. (2) Take mortgage as an example: comprehensively evaluate the bank loan interest rate according to the credit status of the loan, and determine the loan interest rate level according to the credit status, collateral and national policy (whether it is the first suite or not). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is 1 of the benchmark interest rate. Since February 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. At the beginning of April, large state-owned banks began to implement preferential interest rates for the first home loan. The interest rate discount of some banks can be up to 15%. The interest rate after 15% discount for more than five years is 7.05%0.85=5.9925%.
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:
The annual interest rate is 5.6% within 6 months.
Within 6 months, the annual interest rate is 6.00%, 1 year.
The annual interest rate of 1-3 is 6. 15%.
The annual interest rate for 3-5 years is 6.40%.
The annual interest rate for more than 5 years is 6.55%.
What is the 3-year fixed deposit interest rate of China People's Bank in March 2009?
I. Deposits of urban and rural residents and units
(1) Current deposit 0.36
(2) Time deposit
1. lump sum deposit and withdrawal
Three months 1.7 1
Six months 1.98
2.25 a year
2.79 for two years
Three years 3.33
3.60 pounds for five years
3. Fixed-income and double-income loans will be discounted at the same interest rate regularly within one year.
RMB loan interest rate table
I. Short-term loans
Within six months (including six months) 4.86
Half a year to one year (including one year) 5.3 1
Second, medium and long-term loans
One to three years (including three years) 5.40
Three to five years (including five years) 5.76
More than five years 5.94
Project annual interest rate (%) 1. Short-term loans within six months (including six months) 4.86 Six months to one year (including one year) 5.3 1 2. Medium-and long-term loans for one to three years (including three years) 5.40 Three to five years (including five years) 5.76 More than five years 5.94.