Normal bank loan interest varies according to different banks, different loan projects and different loan periods. At present, the benchmark interest rate of RMB loans is 4.35% for loans within 6 months (including 6 months); The annual interest rate of loans for six months to one year (including 1 year) is 4.35%; The annual interest rate of loans for one year to three years (including three years) is 4.75%; The annual interest rate of loans for three to five years (including five years) is 4.75%; The annual interest rate of loans over five years is 4.90%.

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 interest rate of bank loans?

The benchmark loan interest rate of the Bank fluctuates according to the LPR interest rate, and the fluctuation range is about 10%. The short-term loan interest rates of major banks are: within one year (including one year), with an annual interest rate of 4.35%; Medium and long-term loans are: for one to five years (including five years), the annual interest rate is 4.75%; The interest rate of long-term loans is: the annual interest rate of loans with a term of more than five years is 4.90%. For details, you can go to WeChat applet, Lv Qing, which contains very rich loan content and can help you.

How much is the interest on the bank loan?

What is the general interest rate for bank loans: 1. Short-term loans within one year (including one year) 4.35; Two, medium and long-term loans for one to five years (including five years) 4.75 more than five years 4.90; 3. The annual interest rate of provident fund loans is% within five years (including five years) 2.75 more than five years 3.25; According to the regulations of the People's Bank of China, the loan interest rates of various banks can float freely at present, so the loan interest rates of various loans of various banks will be different, and the interest to be paid for loans will be more or less.