At present, the national benchmark interest rate 1 year is 4.35%, and 2-5 years is 4.75.
The bank's specific loan interest rate depends on what kind of loan products you make, and the regulations in which city and region are different.
2. What are the loan interest rates of ABC and ICBC?
The benchmark interest rate is the same (stipulated by the People's Bank of China), depending on how much the policies of your local ICBC and Agricultural Bank can go down. It's hard to get a 30% discount now, but a 20% discount is good. You still have to ask the mortgage departments of these two banks for details.
As far as I know, ABC's national mortgage business started late. Therefore, the current preferential strength is greater than other state-owned banks.
3. What is the one-year loan interest rate of the bank?
(1) The loan interest rate is related to the loan purpose, loan nature, loan term, loan 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 of the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on July 7, 20 1 1 year. Types and annual interest rates are as follows: ① Six-month (inclusive) short-term loan 6.10%; ② 6.56% from half a year to one year (inclusive); ③ One to three years (inclusive) 6.65%; ④ Three to five years (inclusive) 6.90%; ⑤ More than five years and 7.05%. (2) Take mortgage as an example: comprehensively evaluate the bank loan interest rate according to the credit status of the loan, and determine the loan interest rate level according to the credit status, collateral and national policy (whether it is the first suite or not). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is 65438+ of the benchmark interest rate. Since February 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. In late March, Bank of China, Agricultural Bank of China, ICBC and other state-owned banks began to implement the first home loan interest rate concessions. The interest rate discount of some banks can be up to 15%.
4. What is the loan interest of ABC?
The loan interest of agricultural loans is not fixed. According to the individual's qualification and loan term, the average annual interest rate is around 4.5%, and the loan interest is generally low. You can choose one-year, three-year and five-year terms, and the interest rates are different in different terms, so the loan requires higher personal credit information. If the credit is not good, you can't use platform loans.