Deposit:
On July 6, 20 12, deposit interest rate was adjusted and implemented. 201June 8th, February, interest rate marketization promoted reform. The upper limit of the floating range of deposit interest rate of financial institutions is adjusted to 1. 1 times of the benchmark interest rate, allowing commercial banks to have different deposit interest rates. Taking one-year deposit as an example, banks can set the one-year deposit interest rate at 1. 1 times 3%. Up to 1. 1 times, that is, the one-year deposit interest rate is 3.3%. Banks shall, according to their own conditions, implement the interest rate standard between the benchmark interest rate 1- 1. 1 times. The adjusted benchmark interest rate on July 6th is as follows.
I. Deposits of urban and rural residents and units
(1) Current account 0.35
(2) On a regular basis
1. lump sum deposit and withdrawal
Three months 2.6
Half a year 2.8
3.0 a year
3.75 pounds for two years
Three years 4.25
4.75 pounds for five years
2. lump-sum deposit and withdrawal, deposit and interest.
2.85 a year
2.90 pounds for three years
five years
3. Fixed-income and double-income loans will be discounted at the same interest rate regularly within one year.
Two. Agreed deposit 1. 15
3. Notice deposit.
0.80 per day
Seven days 1.35
Loan:
(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 6, 2002+2065438. Types and annual interest rates are as follows: ① short-term loans for 6 months (inclusive) 5.6%; ② 6% for half a year to one year (inclusive); ③ One to three years (inclusive) 6.15%; ④ Three to five years (inclusive) 6.4%; ⑤ More than five years, 6.55%. (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 1 of the benchmark interest rate. Since 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. In early April, the bank began to implement the first home loan interest rate concessions. The interest rate discount of some banks can be up to 15%. The interest rate after 15% discount for more than five years is 6.55%*0.85=5.5675%. Due to the shortage of funds and insufficient credit funds, it has been tightened since the third quarter. The interest rate of the first suite is generally between the benchmark interest rate and the 15% discount.