1, national bank loan interest rate:
The national bank loan interest rate is set by the People's Bank of China. Under normal circumstances, the national bank loan interest rate is lower than the market interest rate. For example, the new consumer loan interest rate is generally 4.35%, which is much lower than the non-standard credit interest rate.
2, commercial bank loan interest rate:
The loan interest rate of commercial banks is generally higher than that of national banks. For example, the interest rate of new consumer loans is generally 5.75%, which is lower than the non-standard credit interest rate, but still higher than the market interest rate.
3, rural financial institutions loan interest rates:
The loan interest rate of rural financial institutions is generally lower than that of commercial banks. For example, the interest rate of new consumer loans is generally 4.8%, which is lower than the non-standard credit interest rate, but still higher than the market interest rate.
4. Irregular credit interest rate:
The interest rate of non-standard credit is generally higher than that of regular bank loans. For example, the interest rate of new consumer loans is generally 7.5%, which is much higher than the interest rate of formal bank loans.
202 1 What are the mortgage interest rates of major banks?
The mortgage interest rates of major banks are floating on the basis of the national benchmark interest rate. The benchmark interest rate is 4.35% within one year, 4.75% within one to five years and 4.9% after five years.
The floating degree is as follows:
1. BOC: The first suite will rise by 20% based on the benchmark interest rate, and the second suite will rise by 20%.
2. ICBC: The first suite will rise by 20% based on the benchmark interest rate, and the second suite will rise by 20%.
3. Agricultural Bank: The first suite will rise by 15% based on the benchmark interest rate, and the second suite will rise by 20%.
4. Postal Savings Bank: The first suite rose by 20% based on the benchmark interest rate, and the second suite also rose by 20%.
5. CCB: The first suite will rise by 15% based on the benchmark interest rate, and the second suite will rise by 20%.
6. Bank of Communications: The first suite rose by 15% based on the benchmark interest rate, and the second suite rose by 20%.
Ranking Table of Loan Interest of Major Banks in 2022
First, the four major domestic banks refer to China Industrial and Commercial Bank, China Agricultural Bank, China Construction Bank and China Bank. The interest rates of their commercial loans and provident fund loans in 2022 are the same, and the actual interest rates are as follows:
1. Short-term loans: 4.35% within six months (including six months) and 4.35% from six months to one year (including one year);
2. Medium and long-term loans: 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years;
3. Housing provident fund loans: 2.75% for less than five years (including five years) and 3.25% for more than five years.
Two. The deposit interest rates of the four major banks:
1, Bank of China: 1 annual interest rate 1.75%, 2-year interest rate 2.25%, 3-year interest rate 2.75%, 5-year interest rate 2.75%;
2. China Construction Bank: 1 annual interest rate 1.75%, 2-year interest rate 2.25%, 3-year interest rate 2.75%, 5-year interest rate 2.75%;
3. ICBC: 1 annual interest rate 1.75%, 2-year interest rate 2.25%, 3-year interest rate 2.75%, 5-year interest rate 2.75%;
4. Agricultural Bank: 1 annual interest rate 1.75%, 2-year interest rate 2.25%, 3-year interest rate 2.75%, 5-year interest rate 2.75%.
The above is the relevant content of the annual interest rates of the four major banks in 2022.
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202 1 List of mortgage interest rates of major banks What is the mortgage interest rate of 202 1?
Hello, I'm glad to answer your question.
202 1 The mortgage interest rates of major banks are as follows:
1, China Construction Bank
The first interest rate is 5.9%(LPR 125BP) and the second interest rate is 6.35%(LPR 170BP).
2. Industrial and Commercial Bank of China
The first interest rate is 5.9%(LPR 125BP), and the second interest rate is 6. 1%(LPR 145BP).
3. Agricultural Bank of China
The first interest rate is 5.8%(LPR 1 15BP), and the second interest rate is 5.95‰(LPR 130BP).
4. Bank of China
The first interest rate is 6.35%(LPR 170BP) and the second interest rate is 6.5%(LPR 150BP).
At present, the major banks in China are Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank, Bank of Communications and Postal Savings Bank. These relatively large bank loan interest rates are based on the benchmark interest rate of the central bank.
The interest rate for more than one year (including one year) is 4.35%; The interest rate for one year to five years (including five years) is 4.75%; For more than five years, the interest rate is 4.9%; The loan interest rate for using the provident fund for less than five years (including five years) is 2.75%, and the loan interest rate for more than five years is 3.25%.
On April 20th, 2002 1 year, the loan market quoted interest rate (LPR) was:1year LPR was 3.85% and 5-year LPR was 4.65%. The above LPR is valid until the next LPR version.
I hope I can help you and wish you all the best! abstract
Questions about the List of Major Banks with 202 1 Mortgage Interest Rate
Hello, I'm glad to answer your question.
202 1 The mortgage interest rates of major banks are as follows:
1, China Construction Bank
The first interest rate is 5.9%(LPR 125BP) and the second interest rate is 6.35%(LPR 170BP).
2. Industrial and Commercial Bank of China
The first interest rate is 5.9%(LPR 125BP), and the second interest rate is 6. 1%(LPR 145BP).
3. Agricultural Bank of China
The first interest rate is 5.8%(LPR 1 15BP), and the second interest rate is 5.95‰(LPR 130BP).
4. Bank of China
The first interest rate is 6.35%(LPR 170BP) and the second interest rate is 6.5%(LPR 150BP).
At present, the major banks in China are Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank, Bank of Communications and Postal Savings Bank. These relatively large bank loan interest rates are based on the benchmark interest rate of the central bank.
The interest rate for more than one year (including one year) is 4.35%; The interest rate for one year to five years (including five years) is 4.75%; For more than five years, the interest rate is 4.9%; The loan interest rate for using the provident fund for less than five years (including five years) is 2.75%, and the loan interest rate for more than five years is 3.25%.
On April 20th, 2002 1 year, the loan market quoted interest rate (LPR) was:1year LPR was 3.85% and 5-year LPR was 4.65%. The above LPR is valid until the next LPR version.
I hope I can help you and wish you all the best! answer
The loan interest rates of different banks are different. Even within CCB, the interest rates of different loan products may be different, but they are basically floating on the basis of the benchmark interest rate of central bank loans. Mortgage interest rate refers to the loan with real estate in the bank, and the loan should pay interest according to the interest rate stipulated by the bank. The mortgage interest rate in China is uniformly stipulated by the People's Bank of China, and all commercial banks can float within a certain range. The mortgage interest rate in China is not always constant, but often changes. The form is that interest rates have been rising, so we often compare the situation before and after raising interest rates. : 1. What information should be prepared for mortgage loan? 1. You can fill in the loan application form directly at the bank, and you must fill in the relevant information truthfully. 2. My ID card, including your ID card and your household registration book, can be fully prepared if you have a passport or a police officer's card. You also need to prepare a personal proof of marital status. If you are married, you need to prepare a marriage certificate. If you are not married, you need to go to the civil affairs department to issue a single certificate. It is important to prepare personal income certificate, because the bank should consider whether you have repayment ability, such as your salary running bill. To start a company, you need to provide a tax payment certificate. 5, but also provide proof of the purchase contract and down payment. 6. If this house belongs to someone else, another person also needs to provide his own identification and so on. 2. What are the conditions for applying for a mortgage? 1. First of all, you need to meet the age requirement. If it is a male, you need to be over 18 years old, but not over 65 years old. The woman's age is over 18, but not over 60, and she must have full capacity for civil conduct. 2. Have a stable income, because after all, you have to pay interest on time every month. 3. If you buy a second-hand house, you must have a real estate license of the second-hand house, which meets the conditions for listing and circulation. 4. Also check whether the house is in a new state or a mortgage state. Iii. Process of mortgage loan 1, step 1. The lender first needs to apply to the bank and prepare complete information for the bank's review. 2. Step 2: After receiving the relevant information, the bank will review the qualifications of individuals, and if there is a property that needs to be mortgaged, it will also evaluate the property. Step 3: If the loan conditions of the bank are met, the bank will sign a contract with the lender to transfer the loan amount to the designated account within a certain period of time.
China People's Bank 202 1 benchmark loan interest rate can be divided into short-term loan interest rate, medium-and long-term loan interest rate and provident fund loan interest rate. The specific analysis is as follows:
1. Short-term loan: the loan interest rate for six months (inclusive) is 4.35%; The loan interest rate for six months to one year (including 1 year) is 4.35%.
2. Medium and long-term loans: the loan interest rate for one year to three years (including three years) is 4.75%; The loan interest rate for three to five years (including five years) is 4.75%; The loan interest rate for more than five years is 4.9%.
3. 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%.
The interest rate of each branch of each bank may be different. Please refer to the actual transaction interest rate for details.
What is the bank mortgage process?
1. Pay the down payment to the developer, and keep the down payment receipt. Go to the bank to fill out the personal housing loan application form. We will review and approve the materials submitted by the applicant step by step. If it is considered to meet the conditions of bank loans, the applicant shall be notified to sign a personal housing mortgage loan contract, and the contract period shall not exceed 30 years. Go to the Housing Authority to apply for the certificate of other rights of the house, which proves that the house has the mortgage right of the bank. Go to the notary department to handle the mortgage of property rights and notarization in home insurance.
2. Customers who choose entrusted deduction for repayment need to sign an entrusted deduction agreement with the bank. After completing the relevant procedures, the loan bank shall open a special passbook account, savings card or credit card account for repayment at the business outlets designated by the loan bank in accordance with the loan contract. Loans granted with the consent of the lending bank shall be directly transferred to the deposit account opened by the borrower in the lending bank, or transferred to the deposit account opened by the seller in one lump sum or by stages.
3. The borrower shall repay the loan on time according to the agreed time until it is paid off.
What are the conditions for buying a house loan?
1. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the lending bank. Natural person with age 18-60; Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule; The actual age of the borrower plus the loan application period shall not exceed 70 years old.
2. Self-raised funds of more than 30% of the total price of the purchased house (20% for self-occupied houses with a construction area of less than 90 square meters), and guarantee to pay the down payment of the purchased house.
3. There is an asset mortgage or pledge recognized by the loan bank, or (and) a legal person, other economic organization or natural person with sufficient compensation capacity as the guarantor.
What is the mortgage interest rate of 202 1? -:202 1 The benchmark loan interest rate of China People's Bank can be divided into short-term loan interest rate, medium-and long-term loan interest rate and provident fund loan interest rate. The specific analysis is as follows: 1. Short-term loan: the loan interest rate for six months (inclusive) is 4.35%; The loan interest rate for half a year to one year (including 1 year) is 4.35%. Medium-and long-term loans: one to three years (inclusive) ...
202 1-March 2021(the data monitoring period is 20265438+February 20-March 18), the average interest rate of the first home loan in China is 5.28%, up 2 basis points from the previous month; The average interest rate of the second home loan is 5.57%, up 1 basis point from the previous month ... According to the latest LPR, the LPR for 2020 1 year is 3.85%, and that for five years and above is 4. ....
Mortgage interest rate 202 1 latest interest rate table -:202 1 The latest mortgage interest rates of major banks are listed as follows: 1. China Construction Bank: the interest rate for the first suite is 6.226%, and the interest rate for the second suite is 6.27%, 2. Bank of China: the interest rate for the first suite is 6. 125%, and the interest rate for the second suite is 6.5%. ...
Which bank has the cheapest commercial housing loan? Bank loans of the People's Bank of China are generally divided into "mortgage loans" and "mortgage loans". "Mortgage loan" is a loan with real estate and physical assets as bank collateral. You need to bring proof of real estate until the bank applies. "Mortgage loan" is a loan with bank deposits and securities as bank pledges. You need to bring proof of deposit until the bank applies. It can be seen that you generally have no pledged items. Therefore, I suggest you.
Loans from major banks-Comparison of loan policies of various banks? Banks (Agriculture, Construction, Zhao, China, People's Livelihood) .........................................................................................................................................................
What is the loan interest rate of each bank? Which bank has a lower loan interest rate? : loan interest of the current month = monthly interest rate of the remaining principal loan of the previous month; Principal paid in the current month = repayment amount in the current month-loan interest in the current month; Remaining principal of last month = total loan-accumulated principal repayment; So, how to calculate the loan interest? Next we can ...
202 1 Lending time of major banks: In most areas, China Bank, Agricultural Bank, China Merchants Bank, Nanjing Bank and Shanghai Pudong Development Bank clearly indicated that the quota is tight and the lending period is uncertain, with a maximum of 2-3 months. In addition, Ping An Bank, Suzhou Bank, Bank of Communications, Minsheng Bank, Industrial and Commercial Bank of China, and Postal Bank are all basically over 3 months. ...
What is the commercial loan interest rate of 202 1? -:View paid content for free within a limited time. Hello, the interest of mortgage is usually closely related to the bank loan interest rate. According to relevant national regulations, the loan term of our bank is within 1 year, and its loan interest rate is 4.35%. If our loan term is 1-5 years, then the interest rate of the mortgage is 4.75%; If our loan term exceeds 5 years, the interest rate is 4.9%. You can also choose a provident fund loan to buy a house, and its interest rate is usually lower than that of commercial loans. The term of the provident fund loan is less than 5 years, and its interest rate is 2.75%. The loan term is more than 5 years and the interest rate is 3.25%.
What is the loan interest rate of 202 1? -:The interest rate of the first home loan for more than five years is between 5% and 6%. Compared with the general annual interest rate of 5.88%, the benchmark interest rate of 1 year announced from April 2020 is 3.85%, and the interest rate of the first home loan for more than five years is 4.65%. The bank determines the differential loan interest rate according to the loan purpose, loan nature, loan term, loan policy, personal credit of the lender and other related factors. In other words, on the basis of the benchmark interest rate, it will go up (plus points) or down (minus points). The interest rate level is determined by the bank's loan purpose, loan nature, loan term, loan policy, personal credit of the lender and other related contents, and the upper limit is 4 times of the benchmark interest rate for the same period.
What are the loan interest rates of major banks?
The loan interest rates of major banks are based on the benchmark interest rate set by the central bank, and the loan interest rates of various banks are different. The benchmark interest rate of central bank loans is 4.35% for six months, 4.75% for one year and 4.9% for one to five years. Major banks can fluctuate according to the benchmark interest rate, and the upper limit of bank loan interest rate is no longer limited, and the lower limit is 0.9 times of the benchmark interest rate. However, there is still an upper limit on the loan interest rate of credit cooperatives, which requires that the upper limit of the loan interest rate of credit cooperatives should not be higher than 2.3 times the benchmark interest rate.