Not high/good

The latest data shows that the mortgage interest rate of 202 1 four major state-owned banks is generally around 3.85%. If a bank wants to apply for a credit loan, the lowest loan interest rate of 202 1 should be China Bank, and the current loan interest rate of China Bank is 2.6%. Then there is the renovation loan of ICBC, with equal repayment of principal and interest. You can choose to pay in installments for up to 5 years, and the loan interest rate is as low as 3%.

3. The short-term loan interest rate of China Bank is 4.35 for less than 6 months and 4.35 for less than 6 months 1 year. The medium and long-term loan interest rates are: 65438+4.75 for 0 years to 3 years, 4.75 for 3 years to 5 years, and 4.9 for 5 years.

2. What is the latest loan interest rate of China Bank in 2022?

What is the benchmark interest rate of China People's Bank loan in 2022?

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China people's bank loan benchmark interest rate:

(1) Short-term loan: within one year (including one year), and the adjusted interest rate is 4.35.

(The adjusted interest rate for five years (including five years) is 4.75; 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); More than five years.

The loan interest rate is the interest rate charged by banks and other financial institutions. Mainly divided into three categories: the central bank's loan interest rate to customers; Interbank lending rate

The decisive factors of bank loan interest are:

1, bank cost. Any economic activity needs cost-benefit comparison. Bank costs are converted into prepaid capital interest; Additional cost-the cost of normal business.

2. Interest must be less than the profit rate of re-segmentation, and the average profit rate is the highest limit of interest.

3. The interest rate of borrowing money will inevitably fall, and vice versa. In addition, the loan interest rate must also consider price changes, securities returns, political factors and so on.

However, some scholars believe that the upper limit of interest rate should be the marginal rate of return of funds. The factor that restricts the interest rate is regarded as the comparison between the profit growth rate of enterprises after borrowing bank loans and the loan interest rate. As long as the former does not lend.

The bank loan interest rate refers to the loan term. China's interest rate is the benchmark interest rate set by the central bank, and the actual contract interest rate can fluctuate within a certain range on the basis of the benchmark interest rate.

The loan interest rate refers to the ratio of interest amount to principal amount during the loan period. The interest rate of loan contracts with banks and other financial institutions as lenders is fixed, and the parties can only negotiate in the central government. If the loan interest rate is high, the repayment amount of the borrower will increase after the loan term, otherwise it will decrease.

The loan interest rate is the main basis for the parties to the loan contract to calculate the loan interest, and it is also the main clause of the loan contract.

The interest rate of loan contracts signed with banks and other financial institutions as lenders shall be determined through consultation within the upper and lower limits. If the loan interest rate agreed by the parties is higher than that stipulated by the People's Bank of China, the excess will be invalid; If the interest rate agreed by the parties is low, the lowest interest rate stipulated by the central bank shall prevail.

In addition, if the lender violates any other fees of the central bank, it will be punished by the central bank.

Loan interest rate is generally the main source of deposit interest rate.

3. What is the latest loan interest rate of China Bank?

1. Short-term loan: the interest rate is 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: the interest rate is 4.75% within one to five years (including five years) and 4.90% for more than five years;

3. Provident fund loan: the interest rate for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%.

The above is the latest interest rate related content of Bank of China loan interest rate table 2022.

Why is the commercial loan interest rate so high?

1, large demand: the loan demand is increasing, so if the bank's loan funds are limited, it can only increase the loan interest rate to manipulate the demand;

2. The loan period is very long: for example, you can apply for a housing loan with a maximum repayment of 30 years. For banks, the RMB is constantly depreciating, so it is necessary to predict the value after many years, so increase the loan interest rate and reduce the losses caused by currency depreciation;

3. The loan funds are relatively limited: The regulator has set a loan ceiling for the housing loan ratio of each bank. In the case of limited total amount, the demand has not changed or increased, and the effect is definitely the increase of housing loan interest rate;

4. Improve the financial prudential management system: that is, strengthen supervision, in order to avoid the illegal inflow of bank insurance funds into the real estate industry. In order to reduce these penalties, banks raise loan interest rates and reduce the number of borrowers;

5. Market supervision: If the loan interest rate is low, users can borrow money to buy a house or do other things, which will disrupt the whole market. For example, the real estate industry is deserted, the loan interest rate drops, and the popular loan interest rate in the real estate industry rises.

The difference between the second home loan and the first home loan

1, difference of mortgage down payment ratio: in some cities with restricted purchases and loans, the down payment ratio of commercial loans is 20% for the first suite and 30% for the second suite;

2. Difference of loan interest rate: The mortgage interest rate is rising all over the world. Many users find that the interest rate of the second suite is higher than that of the first suite, so the interest rates of different banks, cities, first suites and second-hand houses are different.

3. Difference in loan amount: The loan amount of the second home loan is much lower than that of the first home loan. For example, in Beijing, the borrower of the first suite can borrow up to 70%, and the borrower of the second suite can only borrow up to 30%. The actual loan amount shall be subject to the geographical requirements;

4. Difference in loan difficulty coefficient: The loan difficulty coefficient of the second home loan will be much greater than that of the first home loan, especially when the financial economy is tense, it is usually difficult to apply for the second home loan.

Fourth, the mortgage problem is urgent! ! How much is the interest of Bank of China mortgage in Weihai? A loan of 350,000 pounds ...

The answer is as follows:

The loan is 350,000 yuan, the current annual interest rate is 7.05%, and the loan is 10 or 20 years. There are two repayment methods.

I. The loan term is 10 year:

1. equal principal and interest method: the monthly repayment amount is 4,072.82 yuan (the same every month), and the total principal and interest is 488,738.1yuan, of which the interest138,738.638+0 yuan.

2. Average capital method: the monthly repayment amount is different. The repayment amount in the first month was 4,972.92 yuan (then decreased month by month, 17. 14 yuan), and the repayment amount in the last month was 2,933.80 yuan, with the total principal and interest of 474,403.13 yuan, of which the interest was124403./kl.

Compared with the above two methods, the average capital method is less than the equal principal and interest method 14335.49 yuan.

Two. The loan term is 20 years:

1. Equal principal and interest method: the monthly repayment amount is 2,724.06 yuan (the same every month), and the total principal and interest is 653,774.55 yuan, of which the interest is 303,774.55 yuan.

2. Average capital method: the monthly repayment amount is different. The repayment amount in the first month is 35 14.58 yuan (it will be reduced by 8.57 yuan every month), and the repayment amount in the last month is 1466.90 yuan, and the total principal and interest is 597,778.13 yuan, of which the interest is 247,778.13 yuan.

Compared with the above two methods, the average capital method is 55,996.43 yuan less than the equal principal and interest method. The specific repayment method can be selected when the bank handles the loan procedures.

The above calculation is based on the assumption that the interest rate will remain unchanged throughout the repayment period.

During the normal repayment period, the repayment period and monthly repayment amount cannot be changed. If partial repayment is made in advance (50,000 yuan or 6,543,800 yuan+10,000 yuan), it can be changed. Specifically:

After one year of normal repayment, the lender may apply to pay off the loan in one lump sum, or make partial repayment in advance (after deducting the interest of the current month, all the money will offset the principal). After partial repayment in advance, the whole loan will be recalculated. There are two calculation methods to choose from:

1, the repayment period remains unchanged, and the total repayment interest will decrease if the monthly repayment amount decreases.

2. The monthly repayment amount is basically unchanged. If the repayment period is shortened, the total repayment interest will also be reduced.

The reduction of total interest in these two ways is more than 2 1.

If the loan is paid off in one lump sum, the money is the interest of the remaining principal for the current month, and the bank may also charge the interest of the remaining principal for one month as liquidated damages (compensation), depending on the terms in the loan contract.

I hope the above answers are helpful to you.