1, commercial loan. Within one year (including one year): the annual interest rate is 4.75%; One year to five years (including five years): the annual interest rate is 4.9%; More than five years: the annual interest rate is above 4.9%.
2. Provident fund loans. For less than five years (including five years), the annual interest rate is 2.75%; For more than five years, the annual interest rate is 3.25%.
At present, the benchmark interest rate for commercial loans with a loan term of more than 5 years is 4.90%. Due to the policy of restricting purchases and loans, local banks have different efforts to adjust the interest rate of the first home loan. According to the latest data from Bank Information Port, the average interest rate of the first suite in China is 5.38%, and the interest rate generally rises by 5%-20%. The interest rate of the second home loan generally rose 10%-30%. During the same period, the benchmark interest rate of provident fund loans was 3.25%, and the interest rate of second-home loans generally rose 10%. The second suite is defined as the second suite where the borrower's family (including the borrower, spouse and minor children) determines the mortgage times and has used provident fund loans or commercial loans to purchase houses.
Central bank loan benchmark interest rate
China People's Bank loan benchmark interest rate: (1) Short-term loans: within one year (including one year), and the adjusted interest rate is 4.35. (2) Medium and long-term loans: the adjusted interest rate is 4.75 for one to five years (including five years); The adjusted interest rate for more than five years is 4.90. (3) Personal housing provident fund loan: the adjusted interest rate is 2.75 for less than five years (including five years); The adjusted interest rate for more than five years is 3.25.
In order to deepen the interest rate marketization reform, improve the interest rate transmission efficiency and reduce the financing cost of the real economy, the People's Bank of China decided to reform and improve the formation mechanism of the quoted interest rate (LP) in the loan market. The relevant matters are hereby announced as follows:
1. Since August 20, 2065438+2009, the People's Bank of China has authorized the National Interbank Funding Center to announce the quoted interest rate of the loan market at 9: 30 on the 20th of each month (postponed in case of holidays), which can be inquired by the public on the websites of the National Interbank Funding Center and the People's Bank of China.
II. Loan Market Quotation Rate Quotation Banks should quote to the National Interbank Funding Center at the open market operating rate (mainly referring to the medium-term lending convenience rate) before 9: 00 on the 20th of each month (postponed in case of holidays). After removing the highest and lowest quotations, the National Interbank Funding Center calculates the quotation rate of the loan market through arithmetic average.
Third, in order to improve the representativeness of the loan market quotation rate, the types of quotation banks in the loan market quotation rate have increased from the original national banks to city commercial banks, rural commercial banks, foreign banks and private banks, and this time they have been expanded from 10 to 18, and will be evaluated and adjusted regularly in the future.
4. Expand the quoted interest rate of the loan market from the original one-phase variety 1 year to two-phase variety 1 year and more than five years. Loans with a term of 1 and a term of more than five years are priced with reference to the loan market quoted interest rate of the corresponding term, and the loan interest rates with a term of 1 and a term of 1 to five years are independently selected by the Bank.
Five, from now on, banks should mainly refer to the loan market quotation rate pricing in new loans, and adopt the loan market quotation rate as the pricing benchmark in the floating rate loan contract. The existing loan interest rate is still implemented according to the original contract. Banks may not set the implicit lower limit of loan interest rate pricing in any form through cooperative behavior.
Six, the People's Bank of China will guide the market interest rate pricing self-discipline mechanism to strengthen the supervision and management of the loan market quotation rate, evaluate the quotation quality of quotation banks, urge banks to use the loan market quotation rate pricing, and seriously deal with illegal acts that disrupt the market order such as setting the implicit lower limit of loan interest rate by banks. The People's Bank of China incorporated the application of the quoted interest rate in the loan market and the competitive behavior of the loan interest rate into the macro-prudential assessment (MPA).
Legal basis:
According to Article 26 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases, if the lender requests the borrower to pay interest at the interest rate agreed in the contract, the people shall support it, except that the interest rate agreed by both parties exceeds four times the one-year loan market listing rate when the contract is established.
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What's the interest rate for bank loans?
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.