_ Latest Loan Market Quotation (lpr) of China People's Bank in 2022:

Updated on September 20, 2022:

On September 20, 2022, the loan market quoted interest rate (LPR) was 65438+3.65% for 0 years and 4.3% for 5 years and above.

Note: The above LPR is valid until the next LPR release.

Updated on August 22, 2022:

On August 22, 2022, the loan market quoted interest rate (LPR) was 65438+3.65% for 0 years and 4.3% for 5 years and above.

Updated on July 20, 2022:

On July 20, 2022, the loan market quoted interest rate (LPR) was: 1 year, 3.7%, and over 5 years, 4.45%.

Updated on June 20, 2022:

On June 20, 2022, the loan market quoted interest rate (LPR) was 65438+3.7% for 0 years and 4.45% for 5 years and above.

Updated on May 20, 2022:

On May 20, 2022, the loan market quoted interest rate (LPR) was 65438+3.7% for 0 years and 4.45% for 5 years and above.

Updated on April 20, 2022:

On April 20, 2022, the loan market quoted interest rate (LPR) was: 1 year, 3.7%, and 5 years and above, 4.6%.

Updated on March 2, 20221:

On March 2, 2022, the loan market quoted interest rate (LPR) 1 day was 3.7% for a period of five years and above, and 4.6%.

Updated on February 2, 20221:

On February 2, 2022, the loan market quoted interest rate (LPR) 1 day was 3.7% for a period of five years or more, and 4.6% for a period of five years or more.

20221October 20th, updated 65438:

In 2022 1 October 20th, the loan market quoted interest rate (LPR) was:1year LPR was 3.7%, and the LPR over five years was 4.6%.

What's the loan interest rate now?

How much is the interest on the bank loan?

At present, the bank loan interest rate is determined according to the fluctuation of the benchmark loan interest rate stipulated by the People's Bank of China. Different banks and products will have different interest rates.

At present, our loan interest rate is as follows: 4.85% for loans within 6 months (including 6 months).

Loans from six months to one year (including 1 year) 4.85%

Loans for one to three years (including three years) 5.25%

3 to 5 years (including 5 years) loan 5.25%

Loans with a term of more than five years are 5.40%. After the promulgation of Article 5, branches can further increase the down payment ratio and interest rate of the second home loan in cities where house prices are rising too fast according to the real estate control objectives and policy requirements of the local people's government. At present, all localities are studying and formulating relevant implementation rules, which can be implemented after being formulated and reported to the head office of the People's Bank of China for approval. Consistent with previous market expectations, in some cities where house prices have risen too fast, the down payment for second-home mortgage may be raised to 70%, and the interest rate may be raised to 1.3 times.

According to the relevant provisions of the state:

1. All localities continue to track and monitor the issuance of individual housing loans, and pay close attention to the interest rate and down payment ratio of the first home loan and the implementation of the housing loan policy for non-local residents.

2. Financial institutions should strictly implement the differentiated housing credit policy, optimize the interest rate structure, and set reasonable prices to meet the loan demand of households for purchasing self-occupied ordinary commodity housing for the first time. According to industry insiders, it is unlikely that the credit policy of the first home will change, and it will still be implemented according to the preferential interest rate of 30% down payment and a minimum of 8.5%. Therefore, the first home buyers need not worry too much about the adjustment of the credit policy.

3. Support the reasonable credit demand of small and medium-sized ordinary commodity housing projects and government land purchasing and storage institutions, and promote the increase of effective market supply.

4. In the future, we should strengthen window guidance, guide banking financial institutions to continue to support the reasonable credit demand of government land reserve institutions and real estate development enterprises on the basis of preventing risks, pay attention to the capital situation of real estate enterprises and its impact on loan quality, and continue to track the changes in real estate financing structure and the trend of foreign capital inflow.

5. It is necessary to improve the financial service level of affordable housing projects, urge banking financial institutions to issue loans to eligible affordable housing projects in a timely manner on the basis of strengthening management and preventing risks, and support qualified enterprises to issue medium-term notes and other bond financing tools in the inter-bank bond market, which will be used exclusively for the construction of affordable housing projects.

What is the annual loan interest rate stipulated by the state?

What is the annual loan interest rate stipulated by the state?

The benchmark interest rate of central bank loans: 1 year, the annual interest rate of loans is 4.35%; /kloc-The annual interest rate of loans from 0 to 5 years is 4.75%; The loan term is more than 5 years and the annual interest rate is 4.9%.

Provident fund loan

20 15, 10 adjust and implement the current provident fund loan interest rate. The interest rate of provident fund loans for more than five years is 3.25%, the monthly interest rate is 3.25%/ 12, and the annual interest rate of provident fund loans for less than five years is 2.75%, which is consistent throughout the country.

This kind of loan is also suitable for many types of people. Whether you are a civil servant or a stable teacher in a national institution, it is generally easy to apply for a housing provident fund loan as long as your housing provident fund meets the conditions for applying for a loan.

bank credit

However, this loan interest rate is related to the purpose, nature, duration, 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.