According to the notice of the central bank:

Central bank loan benchmark interest rate:

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

(2) Medium and long-term loans: the adjusted interest rate is 4.75 for one to five years (including five years); The adjusted interest rate for more than five years is 4.90.

(3) Personal housing provident fund loan: after five years (including five years), the menu adjustment interest rate is 2.75; The adjusted interest rate for more than five years is 3.25.

Agricultural Bank, the interest rate of short-term loans (within six months, including six months) is 4.35%; The loan interest rate for half a year to one year (including one year) is 4.35%. The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%.

If it is a provident fund loan, the loan interest rate for less than five years (including five years) is 2.75%; The loan interest rate for more than five years is 3.25%.

The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when they issue loans. It is mainly divided into three categories: the loan interest rate of the central bank to commercial banks; The loan interest rate of commercial banks to customers; Interbank lending rate

The decisive factors of bank loan interest are:

1, bank cost. Any economic activity needs cost-benefit comparison. There are two types of bank costs: borrowing costs-prepaid interest on borrowed funds; Additional cost-the cost of normal business.

2. Average profit rate. Interest is the subdivision of profit, which must be less than the profit rate, and the average profit rate is the highest limit of interest.

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Personal loan interest rate of Kunming Agricultural Bank

4.35%-4.9%。

The interest rate of individual short-term loans (within six months, including six months) of Agricultural Bank is 4.35%, the interest rate of loans for six months to one year (including one year) is 4.35%, the interest rate of loans for one year to three years (including three years) is 4.75%, and the interest rate of loans for more than five years is 4.9%.

The predecessor of China Agricultural Bank can be traced back to the Agricultural Cooperative Bank established by 195 1. Since the late 1970s, banks have experienced different stages of development, such as national specialized banks, wholly state-owned commercial banks and state-controlled commercial banks.

What is the personal loan interest rate of China Agricultural Bank?

The personal loan interest rate of Agricultural Bank of China fluctuates on the benchmark loan interest rate of People's Bank of China. The specific floating situation is decided by the Agricultural Bank of China according to individual qualifications. The better the qualifications, the lower the floating degree.

The benchmark interest rate is:

I. Interest rate of ordinary loans:

1, if the loan term is within 1 year (inclusive), the interest rate is 4.35%;

2. If the loan term is within 1-5 years (inclusive), the interest rate is 4.75%;

3. If the loan term exceeds 5 years, the interest rate is 4.9%.

Second, the provident fund loan interest rate:

1, if the loan term is within 1-5 years (inclusive), the interest rate is 2.75%;

2. If the loan term exceeds 5 years, the interest rate is 3.25%.