The bank loan interest rate is comprehensively evaluated according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first suite). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is 1. 1 times the benchmark interest rate. Since 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on July 7, 20 1 1 year. The interest rate for more than five years is 7.05%, and the monthly interest rate is 7.05%/ 12.

Second, the latest interest rate of rural commercial banks 2022?

Answer: It is a three-month 1.35%, six-month 1.55%, one-year 1.75 _ 2.35%, three-year 2.75%, five-year 3% and current account 0.25_. Interest is equal to the principal multiplied by the interest rate x deposit and loan period.

3. What is the current interest rate of commercial loans? 2022

1. What's the interest rate for commercial loans?

The central bank cut interest rates five times in one year, and the benchmark interest rate for commercial loans with a term of more than five years dropped from 6. 15% at the beginning of the year to 4.9% at present. This interest rate cut is rare in the interest rate policy in recent years. According to the interest rate adjustment rules of most mortgages, the benefits of interest rate cuts will take effect in the following year. In other words, from next month, most people's mortgages will be greatly reduced.

After the interest rate cut, how much is the preferential loan for residents? 4.75

Interest rate for more than five years: 4.90

3, personal housing provident fund loans

Interest rate for less than five years (including five years): 2.75

Interest rate for more than five years: 3.25

We might as well assume that Xiao Li took out a mortgage of 6,543,800 yuan in the form of a pure commercial loan with a repayment period of 20 years, and the loan interest rate was all implemented according to the benchmark interest rate.

According to the repayment method of principal and interest at the beginning of this year, the interest is 40,267.62 yuan, and the monthly repayment amount will be 725 1. 12 yuan.

According to the repayment method of 4.9% mortgage interest rate and equal principal and interest to be implemented next month, the monthly repayment amount is only 6,544.44 yuan, and the total interest is 0,665.72 yuan.

Comparing the two, according to the new interest rate, Xiao Li's total interest expense will be 654.38+0.69 million less than the previous old interest rate. And the monthly repayment amount is also 706 less.

Of course, how much interest rate reduction each family can finally enjoy is related to the repayment time and amount, and it has to be calculated by the bank.

So now you should know what the commercial housing loan interest rate is. Lawyers have to steal the whole interest rate, and the commercial loan discount is slightly higher than the provident fund.

Due to the interest rate cut on October 24th, 65438/KLOC-0, the interest rate of individual housing provident fund loans has not been adjusted, and the interest rate of individual housing provident fund loans with a profit of more than one year is currently 3.25%.

In other words, if the central bank does not adjust the interest rate this month, the interest rate of the old mortgage borrowers with pure commercial loans will drop by 1.25 percentage points from next month; For mortgage borrowers with pure provident fund loans, the loan interest rate will also drop.

Second, why do five interest rate cuts have a positive effect next month?

Generally, a mortgage contract is signed, and it will be implemented on June 65438+1 October1the following year. In other words, although interest rates have been cut frequently this year, if you really want to enjoy the benefits of interest rate cuts, you have to wait until next year.

It is understood that there are three ways to adjust the mortgage interest rate in the case of interest rate reduction or interest rate increase.

One is the adjustment for next year. After the bank's interest rate is adjusted, the new interest rate will be implemented on June 65438+ 10/in the following year.

One is annual adjustment, that is, the interest rate will be adjusted one year after the date of the lender's loan;

One is the next month's interest rate adjustment, that is, the new interest rate level will be implemented in the next month after the interest rate adjustment.

At present, most banks take effect in the following year, so the monthly supply of most people should start to decline from 1 next year.

4. What is the general commercial loan interest rate?

1. Commercial loan: At present, the benchmark interest rate of commercial loan is 4.35% within one year, 4.75% within one to five years and 4.9% after five years. Interest rates in many cities will rise 10 to 25%, with different banks and cities rising at different rates; 2. Provident fund loan: At present, the interest rate of provident fund is 2.75% within five years and 3.25% over five years. The interest rate of provident fund loans has not risen, but the provident fund loans are limited. The loan amount is determined according to the balance of years paid by oneself. Every city is different. Please consult your local provident fund center for details. 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. (3) the supply and demand of borrowing money and funds. If the supply exceeds the demand, the loan interest rate will inevitably fall, and vice versa. In addition, the loan interest rate must also consider price changes, securities returns, political factors and so on. However, some scholars believe that the upper limit of interest rate should be the marginal rate of return of funds. The factor that restricts the interest rate is regarded as the comparison between the profit growth rate of enterprises after borrowing bank loans and the loan interest rate. As long as the former is not lower than the latter, it is possible for enterprises to borrow money from banks. (1) The interest rate conversion formula for RMB business is (note: general deposits and loans): 1. Daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷302. Monthly interest rate (‰) = annual interest rate (%) ÷ 6544; 1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is: interest = accumulated interest-bearing products × daily interest rate, where accumulated interest-bearing products = total daily balance. 2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term. There are three specific methods: if the interest-bearing period is a whole year (month), the interest-bearing formula is: ① interest = principal × years (months) × interest rate; If the interest-bearing period is a whole year (month) and the number of days is a decimal, the interest-bearing formula is: ② Interest = principal. Banks can choose to convert the interest period into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest calculation formula is: ③ Interest = principal × actual days × daily interest rate. These three formulas are essentially the same, except that it took 360 days to convert the interest rate. However, when calculating the actual daily interest rate, it will be calculated according to 365 days a year, and the result will be slightly biased. Which formula is used specifically, the central bank gives financial institutions the right to choose independently. Therefore, the parties and financial institutions can agree on this in the contract. (3) Compound interest: Compound interest means adding interest at a certain interest rate. According to the regulations of the central bank, if the borrower fails to repay the interest at the time agreed in the contract, it will be charged with compound interest. (4) Penalty interest: If the lender fails to repay the bank loan within the prescribed time limit, the penalty interest paid by the bank to the defaulter according to the contract signed with the parties is called bank penalty interest. (V) loans overdue liquidated damages: penalties for the defaulting party with the same nature as penalty interest.