The mortgage interest rates of major banks are floating on the basis of the national benchmark interest rate. The benchmark interest rate is 4.35% within one year, 4.75% within one to five years and 4.9% after five years.
The floating degree is as follows:
1. BOC: The first suite will rise by 20% based on the benchmark interest rate, and the second suite will rise by 20%.
2. ICBC: The first suite will rise by 20% based on the benchmark interest rate, and the second suite will rise by 20%.
3. Agricultural Bank: The first suite will rise by 15% based on the benchmark interest rate, and the second suite will rise by 20%.
4. Postal Savings Bank: The first suite rose by 20% based on the benchmark interest rate, and the second suite also rose by 20%.
5. CCB: The first suite will rise by 15% based on the benchmark interest rate, and the second suite will rise by 20%.
6. Bank of Communications: The first suite rose by 15% based on the benchmark interest rate, and the second suite rose by 20%.
What is the upper limit of bank loan interest rate?
Although the People's Bank of China currently stipulates that the loan interest rate of commercial banks will no longer be capped, China law also stipulates that the benchmark loan interest rate for the same period is more than four times, which is not protected by law. Therefore, the floating ceiling means that the execution interest rate is not higher than 4 times of the benchmark loan interest rate in the same period, and the floating ratio is not higher than 300% of the benchmark loan interest rate in the same period.
1. From 20 15 and 20 1, the fluctuation range of deposit interest rate of China People's Bank to financial institutions is:
1, and the upper limit of the floating range of deposit interest rate of financial institutions is adjusted to 1.3 times.
Second, the People's Bank of China has stipulated the range in which the loan interest rate of financial institutions will rise:
1, the upper limit of the floating range of loan interest rates of commercial banks and urban credit cooperatives is extended to 1.7 times of the benchmark loan interest rate.
2, rural credit cooperatives to expand to 2 times the benchmark interest rate of loans.
Remarks:
Unless the People's Bank of China adjusts the benchmark interest rate, the bank's loan interest rate will not affect the previously signed loan contract interest rate.
Extended data
Interest on loan to buy a house
Bank loan interest rate: the annual interest rate of interest rate items (%). If you need to estimate some daily interest when making a loan, you can convert it into daily interest rate with annual interest rate /365. Matching principal and interest repayment, matching principal and interest repayment, refers to the equal repayment of loan principal and interest every month within the relevant loan period until the loan is settled. The total amount that buyers have to pay back every month is equal, but the ratio of interest to principal will change every time.
Mortgage interest rate refers to the loan with real estate in the bank, and the loan should pay interest according to the interest rate stipulated by the bank.
Characteristics of interest rate: The mortgage interest rate is uniformly stipulated by the People's Bank of China. If there is a real estate loan in a bank, the loan should pay interest at the interest rate stipulated by the bank. This interest rate is the mortgage interest rate. 2065438+June 7, 2002, the central bank issued an urgent document to commercial banks, requiring that the lower limit of the floating range of individual housing loan interest rate of commercial banks should still be 0.7 times of the benchmark interest rate.
Commercial banks will implement the new interest rate: from 20 13 10, so that mortgage borrowers can reduce the pressure. But each commercial bank can float within a certain range. The mortgage interest rate in China is not always constant, but often changes. The form is that interest rates have been rising, so we often compare the situation before and after raising interest rates.
Increase in loan interest rate
I believe many people will choose commercial loans to buy and sell houses. If you want to apply for a commercial loan, you should know the specific interest rate, because the loan interest rate is different in different periods, and the loan interest rate should be calculated according to specific policies and systems. So, has the loan interest rate been raised? I believe many people will choose commercial loans to buy and sell houses. If you want to apply for a commercial loan, you should know the specific interest rate, because the loan interest rate is different in different periods, and the loan interest rate should be calculated according to specific policies and systems. So, has the loan interest rate been raised? What is the basis for the fluctuation of bank loan interest rate? Let's introduce the relevant knowledge in detail. Has the loan interest rate increased? The loan interest rate is raised, and the benchmark interest rate for commercial loans is 4.9, which is 5- 10% higher than the current loan purchase. It won't affect your down payment, but the monthly payment including the total repayment amount will go up. 1. Bank of China. For short-term loans within one year (including one year), the RMB loan interest rate is 4.35%. For medium-term loans from one year to five years (including five years), ICBC's RMB loan interest rate is 4.75%. For long-term loans of more than five years, ICBC's RMB loan interest rate is 4.9%. 2. Shenzhen Development Bank. For short-term loans within one year (including one year), the RMB loan interest rate is 5.66%. For medium-term loans from one year to five years (including five years), ICBC's RMB loan interest rate is 6. 15%. For long-term loans of more than five years, ICBC's RMB loan interest rate is 6.55%. What is the basis for the fluctuation of bank loan interest rate? 1. is conducive to highlighting the credit policy and business characteristics of China Bank. Preferential interest rates are given to foreign trade enterprises, foreign-funded enterprises, foreign affairs enterprises, large and medium-sized export production enterprises and high-tech production enterprises with good benefits. 2. It is conducive to promoting the development of related banking business in China. Loans to our basic customers, temporary loans to customers whose deposits exceed loans, and loans to customers who handle import and export settlement business and intermediary business in our bank can be properly taken care of in terms of interest rate standards. 3 is conducive to the cost accounting of credit funds, improve the ratio of assets to liabilities and its cost structure. The floating range of loan interest rate should refer to the bearing capacity of comprehensive capital cost of banks. The total amount of low-cost sources restricts the total amount of loans with downward floating interest rate, while the total amount of high-cost sources determines the total amount of loans with downward floating interest rate. The interest rate structure of the source of funds should adapt to the interest rate structure of the use of funds. 4. Conducive to the risk management of credit assets. In principle, low-risk loans are subject to low interest rates and high-risk loans are subject to high interest rates. For enterprises whose own funds fail to reach a reasonable proportion, or fail to make up their own funds as required, and their credit rating is low, interest rates should be used to promote them to improve their management and economic benefits. The above is about "has the loan interest rate been raised?" What is the basis of bank interest rate fluctuation? "For the loan interest rate, we need to understand the relevant system. Different banks have different specific credit policies and businesses. I suggest you know more about some relevant system regulations and do a good job in specific loan procedures.
This is the end of the introduction about whether the bank loan interest rate rises and whether the bank loan interest rate rises. I wonder if you found the information you need from it?