1. Loan interest is calculated at floating interest rate. After the adjustment of the bank loan interest rate, the interest rate calculated according to the loan interest rate is also adjusted. Of course, no matter how it is calculated, it has no effect on the interest paid. Will have an impact on the adjusted interest. After the adjustment of the general bank interest rate, the interest rate of the outstanding part of the loan is also adjusted. There are three forms: first, after the bank's interest rate is adjusted, the newly adjusted interest rate will be implemented at the beginning of the following year (ICBC, Agricultural Bank of China and China Construction Bank are all like this); The second is annual adjustment, that is, the new interest rate is adjusted and implemented every year of repayment (such is the case with China bank mortgage); Third, the two sides agreed that the new interest rate level will generally be implemented in the month after the bank's interest rate adjustment.
2. Mortgage changes with the change of national policies. The national 30% discount is a 30% discount based on the benchmark interest rate. If the benchmark interest rate changes, it will rise by 30% on the basis of the benchmark interest rate. If the 30% discount policy is cancelled, the interest rate discount on outstanding loans will also be cancelled.
Three. 20 16 loan interest rate adjustment time
The repayment amount of 20 1 1 year is calculated according to the interest rate of 20 1 01February, and the interest is only calculated according to the loan interest rate of the previous year on1day every year.
Four, how is the floating range of commercial bank loan interest rate stipulated?
(1) loan term, loan policy, different loan banks, etc. The benchmark interest rate is set by the state, and the bank determines the differential loan interest rate according to various factors, that is, the current benchmark interest rate is adjusted and implemented on July 7, 20 1 year, and the types and annual interest rates are as follows: ① short-term loans range from 6 months (inclusive) to1year (inclusive) 6.65%; ④ Three to five years (inclusive) 6.90%; ⑤ More than five years and 7.05%.
The bank loan interest rate is comprehensively evaluated according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first set). If the loan interest rates in all aspects are different, the benchmark interest rate of the first home loan of some banks is 1. 1.00, and most banks will adjust the first home loan interest rate as the benchmark, and state-owned banks such as Bank of China, Agricultural Bank of China and Industrial and Commercial Bank of China will begin to decline. The interest rate discount of some banks can be up to 15%.