"Adjustment by stages" means that when a new interest rate appears, the interest is still calculated at the original interest rate in the current period. From the next period, the system will adjust the interest rate and recalculate the installment repayment amount, that is, the new interest rate will take effect in the next period;
The "fixed date adjustment" method is unified adjustment according to the listing interest rate on the day of 65438+ 10/every year. For the part before 65438+ 10 month 1, the old interest rate is still used. After 65438+ 10/month 1, the new interest rate shall be implemented and the installment repayment amount shall be recalculated.
If you are not clear about your interest rate adjustment method, you can dial 95555-2- 1-4 to enter the manual inquiry. (Telephone service time: 8:30- 18:00)
The mortgage has been settled. If the bank interest rate is adjusted in the future, will the monthly repayment amount change accordingly? Mortgage has a floating interest rate, which will be adjusted with the interest rate adjustment, and the monthly repayment amount will also be affected.
Monthly mortgage payment calculation: 1. The bank will recalculate the monthly payment according to the annual mortgage interest rate of 65438+ 10 month 1 day (that is, the latest interest rate) and in combination with the lender's remaining loan principal amount and remaining repayment period.
2. Calculation method of average monthly fund payment: monthly repayment amount = (loan principal/repayment months)+(principal-accumulated amount of repaid principal) × monthly interest rate.
Three. Calculation method of monthly payment of equal principal and interest: [loan principal× monthly interest rate× (1+monthly interest rate )× repayment months]/[(1+monthly interest rate )× repayment months]
Loan interest is calculated at floating interest rate. After the adjustment of bank loan interest, the interest rate level of loan interest calculation is also adjusted. Of course, no matter how it is calculated, it has no effect on the interest paid. It will have an impact on the adjusted interest.
After the adjustment of general bank interest rate, the interest rate of the outstanding part of the loan will also be adjusted accordingly. There are three forms:
First, after the bank's interest rate is adjusted, the newly adjusted interest rate will be implemented at the beginning of the following year (ICBC, ABC and CCB are all like this);
The second is the annual adjustment, that is, the new interest rate is adjusted and implemented every year of repayment (China bank mortgage is like this);
Third, the two sides agreed that the new interest rate level will generally be implemented in the month after the bank's interest rate adjustment.
reference data
Bank information port. Bank information port [reference time 20 18-5- 10]
It will change. After the national interest rate changes, the personal mortgage interest rate will also change.
Mortgage is a floating interest rate, which not only adjusts with the adjustment of interest rate, but also changes with the change of national preferential policies.
1。 Loan interest is calculated at floating interest rate. After the adjustment of bank loan interest, the interest rate level of loan interest calculation is also adjusted. Of course, no matter how it is calculated, it has no effect on the interest paid. It will have an impact on the adjusted interest. After the adjustment of the general bank interest rate, the interest rate of the unpaid part of the loan is also adjusted. There are three forms: first, after the bank's interest rate is adjusted, the newly adjusted interest rate will be implemented at the beginning of the following year (ICBC, Agricultural Bank of China and China Construction Bank are all like this); The second is the annual adjustment, that is, the new interest rate is adjusted and implemented every year of repayment (China bank mortgage is like this); Third, the two sides agreed that the new interest rate level will generally be implemented in the month after the bank's interest rate adjustment.
2。 Mortgage changes with the change of national policies. The national 30% discount is a 30% discount on the benchmark interest rate. 30% of the benchmark interest rate if the benchmark interest rate changes. If the state cancels the 30% discount policy, the interest rate discount on the outstanding part of the loan will also be cancelled. Of course, it has no effect on the repaid interest. After the national policy changes, the new policy is generally implemented in the following year 1 month. Suppose you cancel the 30% discount now, you can still enjoy the 30% discount this year, and cancel the 30% discount from June 5438+ 10 next year.
The mortgage has been settled. If the bank interest rate is adjusted in the future, will the monthly repayment amount change accordingly? Will you pay more at the adjusted interest rate? "Adjustment by stages" means that when a new interest rate appears, the interest is still calculated at the original interest rate in the current period. From the next period, the system will adjust the interest rate and recalculate the installment repayment amount, that is, the new interest rate will take effect in the next period; Example: the customer pays the same amount of commercial mortgage loan, and the monthly payment is deducted every month 10 day. The interest rate will be adjusted in the next cycle. On March 20 15, the state adjusted the benchmark interest rate, so the monthly payment of customers on March 1 0 remained unchanged, and the monthly payment only changed on April 10.
Is the interest rate of the bank adjusted according to the annual interest rate of the previous year? Not exactly. It depends on how your loan contract stipulates. Most banks agreed to follow the last interest rate adjustment of 65438+ 10/last June, and some banks made adjustments after the People's Bank of China announced the new interest rate of 1 2.
Example: March 1, 20 1, May 1, the annual interest rate was adjusted to 6.2% in 2065438, and in July 1, the annual interest rate was adjusted to 6.2% in 2065438; The bank adjusts the interest rate once every two months: your annual interest rate is 6.2% in March, 6.2% in May and 6.2% in July. If the bank adjusts the interest on June 65438+1 October 1 every year, the 6.2% adjustment on June 2065438+June 65438+1October 2006 will be implemented.
The influence and function of bank interest rate adjustment The higher the interest rate raised by the bank, it means that the money is not in the bank and the bank has insufficient money. Banks are attracting depositors to deposit their money in the bank. Lowering interest rates means that the bank's money is saturated!
Bank Interest Rate Adjustment The People's Bank of China decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions by 20 1 1 from April 6th. The benchmark interest rates for one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively, and the benchmark interest rates for deposits and loans of other grades and the interest rates for personal housing provident fund loans were adjusted accordingly.
Update time of interest rate: 20 1 1-04-06.
Interest rate item annual interest rate (%)
Demand deposit 0.50
Three-month fixed deposit 2.85
Half-year fixed deposit 3.05
One year time deposit 3.25
Two-year time deposit 4. 15
Update time of interest rate: 20 1 1-04-06.
Interest rate item annual interest rate (%)
Loans within six months (including six months) 5.85
Loans from six months to one year (including 1 year) 6.3 1
Loans for one to three years (including three years) 6.40
Three to five years (including five years) loan 6.65
Loans for more than five years
The above is the benchmark interest rate adjustment table for RMB deposits and loans of financial institutions.
Ordinary residents generally adopt the method of lump sum deposit and lump sum withdrawal. Take the calculation of lump-sum deposit and withdrawal interest rate as an example.
The balance of lump-sum deposit is increasing day by day, so the interest cannot be calculated simply by lump-sum deposit, but only by simple interest annuity. The formula is as follows: sn = a (1+r)+a (1+2r)+…+a (1+NR) = na+6550. In the above formula, NA is the total amount of principal saved, and1/2n (n101) ar is the total amount of interest earned.
Under the repayment method of equal principal and interest, when the bank interest rate changes, will the monthly repayment amount of my loan change accordingly? If it is changed, whether it is equal principal repayment or equal principal and interest repayment, the monthly payment after interest rate adjustment will increase. When will the specific monthly payment change start? It should be stipulated in the loan contract signed with the bank at that time. Generally, it will be adjusted in the following year from 65438+ 10, and some will be adjusted on schedule, that is, one year after repayment.
What is the basis for the adjustment of national bank interest rate? Basis for interest rate adjustment of the State Bank:
1. According to the principles of macroeconomics and the laws of the actual operation of the country in recent years, the first principle for banks to adjust interest rates is to look at inflation. If inflation is serious, banks will keep raising interest rates to curb inflation, otherwise, they will keep lowering interest rates to promote economic development.
2. The adjustment of interest rate must be combined with the adjustment of "bank deposit reserve" interest rate, plus the adjustment of the total amount of bank loans issued throughout the year (for example, if the current situation does not exceed 9 trillion loans a year, there will be no serious inflation, and bank interest rates will not need to be adjusted frequently), so the state can determine whether it is necessary to adjust interest rates.
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