At present, PBOC has announced the benchmark annual interest rate of loans: 0-6 months (including 6 months), with an annual interest rate of 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; 5-30 years (including 30 years), with an annual interest rate of 4.90%;
If you apply for a loan through our bank, the loan interest rate needs to be comprehensively priced in combination with the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets.
What is the interest rate of 20 17 bank loan?
Please log on to the official website of Bank of China (), click Financial Data-Deposit/Loan Interest Rate on the right side of the homepage, and select historical data of loan interest rate by currency for query.
The above contents are for your reference. Please refer to the actual business regulations.
What is the benchmark interest rate for 20 17 mortgage?
1 and 20 17 commercial loan interest rate: within six months, the loan interest rate is 4.35%; From half a year to one year, the loan interest rate is 4.35%; For one to three years, the loan interest rate is 4.75%; For three to five years, the loan interest rate is 4.75%; For more than five years, the loan interest rate is 4.9%.
2.20 17 provident fund loan interest rate: within six months, the interest rate is 2.75%; Six months to one year, the interest rate is 2.75%; For one to three years, the interest rate is 2.75%; For three to five years, the interest rate is 2.75%; For more than five years, the interest rate is 3.25%.
Extended data
Conditions and procedures for commercial loans
1. The conditions for commercial loans need to meet four points: ① the applicant's age 18-65 years old; (2) The applicant shall pay more than 30% of the down payment; (3) The applicant should have a stable job and can provide relevant salary certificates; (4) The applicant has good credit and meets the commercial loan standards.
2. When the borrower signs a house purchase contract with the developer, it will pay 30% of the house purchase price; Submit relevant materials to the law firm for review; After receiving the approval of legal opinions, banks sign loan contracts, mortgage contracts and guarantee contracts with buyers.
3, according to the data for mortgage registration, home insurance, contract notarization procedures, and lending. The borrower repays the loan by equal repayment. For the outstanding loan principal, the borrower can repay it in one lump sum, and interest will still be charged in the current period of prepayment, and no penalty will be charged.