1, Industrial and Commercial Bank of China
ICBC, the interest rate of short-term loans (within six months, including six months) is 4.35%; The loan interest rate for half a year to one year (including one year) is 4.35%. The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%. If it is a provident fund loan, the loan interest rate for less than five years (including five years) is 2.75%; The loan interest rate for more than five years is 3.25%.
What is the mortgage interest rate of ICBC?
The annual interest rate of ICBC housing loan is 4.35%.
Since 20 15, 10124 October, the central bank has cut interest rates by 0.25 percentage points and RRR by 0.5 percentage points. The central bank also announced the liberalization of the floating ceiling of deposit interest rates. However, the relevant person in charge of the central bank stressed that the abolition of administrative restrictions on interest rate fluctuations does not mean that the central bank will no longer manage interest rates, and interest rate marketization will enter a new stage.
1. Short-term loan: within one year (including one year): annual interest rate of 4.35%.
Second, medium and long-term loans:
One to five years (including five years): the annual interest rate is 4.75%.
More than five years: the annual interest rate is 4.90%
Third, the interest rate of provident fund loans.
The annual interest rate for five years and below is 2.75%.
The annual interest rate for more than five years is 3.25%.
Industrial and commercial bank loan interest rate
ICBC's loan interest rate in 2022 is adjusted according to the central bank's benchmark interest rate. The loan interest rate of each bank is different, and the actual loan interest rate needs to be determined according to the specific situation of the bank. The following is the relevant content of ICBC loan interest rate in 2022.
Let's take a look at Dakajun's latest news inquiry about ICBC's interest rate adjustment in 2022:
The central bank decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from 20 15124, and accelerated the interest rate marketization reform several times.
Adjust the benchmark interest rates for loans and deposits of financial institutions.
(1) Reduce the benchmark interest rate of RMB loans of financial institutions. Among them, the one-year loan interest rate was lowered from the current 4.6% to 4.35%, down by 0.25 percentage point; The loan interest rates of other grades will also be adjusted accordingly.
(2) Reduce the benchmark interest rate of RMB deposits of financial institutions. Among them, the one-year deposit interest rate was lowered from the current 1.75% to 1.5%, down by 0.25 percentage point; The interest rates of other grades of deposits will be adjusted accordingly. The deposit interest rate remains unchanged.
(3) Reduce the deposit interest rate of individual housing provident fund. Among them, the deposit interest rate of individual housing provident fund collected in that year remained unchanged at 0.35%; The deposit interest rate of individual housing provident fund carried forward from the previous year was lowered from the current 1.35% to 1. 1%, down by 0.25 percentage point. The interest rate of individual housing provident fund loans remains unchanged.
On the evening of April 15, 2022, the central bank decided to comprehensively reduce the deposit reserve ratio of financial institutions by 0.25 percentage points on April 25 (excluding financial institutions that have implemented the deposit reserve ratio of 5%), releasing long-term funds of about 530 billion yuan.
On February 6, 20021year, the central bank decided to reduce the deposit reserve ratio of financial institutions by 0.5 percentage points on February 6, 20021year (except for financial institutions that have implemented the deposit reserve ratio of 5%). After this reduction, the weighted average deposit reserve ratio of financial institutions is 8.4%.
On July 9, 20021year, the central bank decided to reduce the deposit reserve ratio of financial institutions by 0.5 percentage points on July 6, 20021year (except for financial institutions that have implemented the deposit reserve ratio of 5%). After this reduction, the weighted average deposit reserve ratio of financial institutions is 8.9%.
What is the interest rate of ICBC loan? Let's stop here.