The latest loan market quotation rate 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.

July 20, 2022? Update? ：

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

June 20, 2022? Update:

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.

May 20, 2022? Update:

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.

April 20, 2022? Update:

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

March 2, 20221? Update:

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%.

February 2, 20221? Update:

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.

202265438+1October 20th? Update:

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%.

Two. List of lpr interest rates in 2022

Recently, it was reported that Zhongyuan Bank launched a mortgage interest rate in Zhengzhou that was lower than LPR for more than five years. On the afternoon of the 27th, Zhongxin Jingwei learned from several outlets of Zhongyuan Bank Zhengzhou that the interest rate of Zhengzhou's first home loan was as low as 4.5%, which was lower than the current LPR's offer of 4.6% for more than five years. The mortgage interest rate is lower than the five-year LPR, which is rare in the national mortgage market.

As a lender, Zhongxin Jingwei has contacted six outlets of Zhongyuan Bank in Jinshui District, Zhongyuan District, Erqi District and Guancheng District of Zhengzhou City. The loan managers of these outlets confirmed to Zhongxin Jingwei that Zhongyuan Bank lowered the mortgage interest rate of individual housing, and the first home loan interest rate dropped to a minimum of 4.6%, while for customers with college education or above in Japan, the first home loan interest rate was lower.

The loan manager of Zhongyuan Bank's business outlet in Zhongyuan District said: "The mortgage interest rate was only adjusted yesterday (26th), and the first set was reduced to 4.6%. College students can buy houses with a building area of less than 1.40 square meters within five years after graduation, and they can enjoy the loan manager of a business outlet in four urban areas, saying that the interest rate is favorable and they can buy new houses and second-hand houses.

However, it should be pointed out that the loan interest rate may be different from the previous policy of the People's Bank of China. According to the latest loan market quotation rate released on April 20, 2022, the five-year LPR is 4.6%. "The minimum meets the policy requirements and cannot pass the system. There is uncertainty about whether it can continue to be implemented in the future. " Zhongyuan loan manager Xiang Zhongxin Jingwei

According to the announcement issued by the People's Bank of China on August 25th, 20 10.09 [20 1965438+ 10.08, a new loan market was created, with a corresponding term of one month]. The interest rate of the first set of commercial personal housing loans shall not be lower than the quoted interest rate of the corresponding term loan market, and the quoted interest rate of the second set of merchants in the corresponding term loan market shall rise by 60 basis points.

However, the above-mentioned documents also pointed out that the self-discipline mechanism of interest rate pricing in the provincial market should be guided by the principle of "saving by the People's Bank of China", and in the face of changes in the national unified credit and real estate market situation, the lower limit of interest rates for the first and second sets of commercial personal housing loans within its jurisdiction should be determined. Determine the lower limit of the self-discipline mechanism of interest rate pricing in the banking financial market, and clarify the specific value of commercial personal housing loan interest rate in combination with the operating conditions of institutions and customers.

In addition to the announcement, Industrial Bank and China Everbright Bank have also reduced their interest rates to 4.5% in recent months, but today (April 27) they were notified to stop doing so. According to the intermediary, the current 4.6 second-hand houses and new houses can be as low as 4.

Zhongxin Jingwei consulted Xingjia Sub-branch as a lender. The loan account manager of a branch in Zhongyuan District of Industrial Bank said that the minimum interest rate for the first home loan for no students is 4.6%, which has not yet dropped to 4.5%. The loan account manager of a branch in Jinshui District of China Everbright Bank said that he had not received the notice that the mortgage interest rate dropped to 4.5%, but within five years after graduation, college students bought 4.6% second-hand houses with the qualification of first suite, and the minimum for new houses was 4.7%.

It is understood that since March this year, the interest rates of commercial personal housing loans in many cities across the country, including Zhengzhou, have fluctuated in the past two years. In the second half of 20021,the interest rate of the first home loan in this city once reached about 6. 1%, or even about 6.3%, and then it was lowered. At present, many prime banks have reduced the interest rate of Zhengzhou's first home loan to 4.9 fold or less.

"，" force_purephv":"0 "，" gnid ":" 90 a4b 899597 1968 1d "，" img_data":[{"flag":2，" img":[]}]，" original":0，" pat":"art_src_ 1， Fts0, sts0 ","powerby":"pika ","pub _ time ":16510789238k": "lpr", "u": "}, {"clk ":"Kestate _/kloc. K ":"loan ","u": "}, {"clk ":"kestate _ 1: housing loan ","k ":"housing loan ","u ":"}, {"clk ":"kestate _ 65438+. What is the best interest rate for RMB loans (LPR) of ICBC? What is the discount of 4.5% mortgage interest rate for college students within five years after graduation? At present, LPR Quoting Bank Group consists of nine commercial banks. Quoting banks should meet the requirements of hard financial constraints and macro-prudential policy framework, have a high degree of systemic importance, great market influence and strong comprehensive strength, have established an internal rate of return curve and internal transfer pricing mechanism, have strong independent pricing ability, and have formulated the bank's preferential interest rate management measures. And other conditions conducive to the quotation work. The market interest rate pricing self-discipline mechanism determines and adjusts the members of quotation banks according to the centralized quotation and issuance rules of preferential loan interest rates, supervises and manages the operation of preferential loan interest rates, and regulates the behavior of quotation banks and designated issuers.

What is the current mortgage loan of LPR? How is it calculated? At present, my mortgage interest rate is 5. 145 (ICBC)-the mortgage is converted into LPR, and its interest rate is calculated by using the existing interest rate level to calculate the bonus value, and then according to the method of LPR insured interest rate plus bonus. For example, if the LPR interest rate is 4.8, the plus sign of 5. 145 is equal to 5. 145-4.8 = 0. ...

When will the mortgage interest rate go down in 2022-:Check the paid content for free within a limited time, and answer hello! I am glad to be able to answer your question. It is a bit difficult for the following three reasons: 1. Under the premise that the credit policy is not obviously relaxed in 2022, the financial pressure of developers will not be weakened, and the wait-and-see mood of buyers will not be reduced. Therefore, in the first half of next year, developers will "exchange price for quantity" ...

3. What is the interest rate of Zhengzhou provident fund loan?

The annual interest rate for five years or less is 3.33%, and the monthly interest rate is 2.775‰.

For more than 5 years, the annual interest rate is 3.87% and the monthly interest rate is 3.225‰.

4. What is the latest lpr interest rate in Zhengzhou?

The latest lpr interest rate in Zhengzhou is 5. 15%.

On February 2 1 day, the People's Bank of China announced the latest LPR interest rate, which is 3.7% for 1 year and 4.6% for five years and above. It is the same as the LPR interest rate of 65438 announced on October 20th, 2022/KLOC-0.

On the other hand, since the end of last year, many banks in Zhengzhou began to cut the interest rate of second-hand housing loans, and the implementation interest rate reached the lowest in five years.

For example, the Postal Savings Bank implemented the latest interest rate from February 18, and the first set of interest rates for second-hand houses rose by 5%, the implementation rate was 5. 145%, the second set rose by 10%, and the implementation rate was 5.39%;