The deposit and loan interest rates in China are uniformly formulated and published by the People's Bank of China. Compared with your benchmark interest rate, all banks should strictly implement the benchmark deposit interest rate, and the loan interest rate can fluctuate within a certain range according to the situation.
Latest deposit and loan interest rate table in 2009:
I. Deposits of urban and rural residents and units
(1) Current deposit 0.36%
(2) Time deposit
1. lump sum deposit and withdrawal
Three months 1.7 1%
Six months 1.98%
2.25% a year
2.79% in two years
3.33% in three years
5-year period 3.60%
2. lump-sum deposit and withdrawal, deposit and interest.
One year 1.7 1%
Three years 1.98%
5-year period 2.25%
3. Fixed-income and double-income loans will be discounted at the same interest rate regularly within one year.
Two. Agreed deposit 1. 17%
Three. deposit at notice
0.8 1% per day
Seven days 1.35%
Interest refers to the part of money that is more than the original money in the bank when it is taken out after a period of time. Interest is generally related to the length of deposit and whether you promise not to take out the money within a certain period of time. Moreover, RMB interest often has monthly interest rate and annual interest rate, so we should pay attention to the difference.
For example, on June 65438+1 October1,you deposited 100 yuan in the bank, and on February 3 1, the bank paid you 103 yuan. Where 100 is your principal, 3 yuan is the interest of your deposit, and 3%(3 divided by 100) is the interest rate of your deposit. And note: when it comes to interest rate, we need to pay attention to whether the value it says is annual interest rate or monthly interest rate, which is completely different. For example, in the above example, 3% is the annual interest rate, and the monthly interest rate is 0. 12% (0. 12%, or 12%), which is calculated by dividing 3% by12 (month).
What is the mortgage interest rate of Agricultural Bank of China in 2009?
4.35%。 Agricultural Bank of China was established in 195 1. The head office is located in Jianguomen Inner Street, Beijing. It is a large state-owned commercial bank and a national vice-ministerial unit. In 2009, the mortgage interest rate of Agricultural Bank was 4.35%.
What is the benchmark interest rate of China People's Bank loan in 2009?
1, short-term loan
Within six months (including six months) 4.86%; Half a year to one year (including one year) 5.3 1%.
2. Medium and long-term loans
One to three years (including three years) 5.40%; Three to five years (including five years) 5.76%; More than five years, 5.94%.
3, personal housing provident fund loans
3.33% for five years or less; More than five years, 3.87%.
4, the civil affairs department welfare factory loan 3.87%.
5.2.43% of the economic loans are used for the development of the old and the young.
6. Loans for ethnic trade and production of ethnic articles were 2.43%.
Extended data:
Loan skills:
Now more and more post-80s loans buy houses and cars. For a time, the loan business provided by banks has become the "new darling" of the times. However, it is still a bit difficult to get a loan successfully in a bank, and it is even more difficult to get a loan at a certain time. Here are some tips for successful loans, hoping to help more people get successful loans.
1. Reasons for borrowing: In the process of applying for a loan, the borrower should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.
2. Loan amount: The loan amount applied by the borrower in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want. Of course, they don't want their loan funds to see the movement of lending within half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.
3. Loan Description: Fill in the application materials, loan purpose, personal credit record, income source, repayment ability, family income, etc. in detail. Make sure that your loan can be repaid on time no matter when, where or how.
4. Loan repayment: After a successful loan application, the borrower must repay the loan within the specified time. Don't take chances and delay the repayment time, thus causing a bad personal credit record. In addition, the relevant departments will try their best to recover the loans in arrears.