I. Loan interest rate (1) The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different loan banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis of the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on July 7, 20 1 1 year. Types and annual interest rates are as follows: ① Six-month (inclusive) short-term loan 6.10%; ② 6.56% from half a year to one year (inclusive); ③ One to three years (inclusive) 6.65%; ④ Three to five years (inclusive) 6.90%; ⑤ More than five years and 7.05%. (2) Take mortgage as an example: comprehensively evaluate the bank loan interest rate according to the credit status of the loan, and determine the loan interest rate level according to the credit status, collateral and national policy (whether it is the first suite or not). 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 of the benchmark interest rate. Since February 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. At the beginning of April, large state-owned banks began to implement preferential interest rates for the first home loan. The interest rate discount of some banks can be up to 15%. The interest rate after 15% discount for more than five years is 7.05%*0.85=5.9925%. 2. Deposit interest rate The implementation date of this deposit interest rate adjustment is July 7, 20 1 1 year. 1. Deposits of urban and rural residents and units (1) Current 0.50% (2) Fixed term 1. Three-month lump sum deposit and withdrawal 3. 10% half a year 3.30% one year 3.50% two years 4.40% three years 5.00% five years 5.50%2. Lump sum deposit and withdrawal. One-year interest rate is 3. 10%, three-year deposit is 3.30%, and five-year deposit is 3.50%. 3. Within one year, lump-sum deposit and lump-sum interest rate concessions of the same grade will be given, with the agreed deposit of 1.3 1%, 0.95% for one day and 1.49% for seven days.