3.60% 4.05% 2005. 1. 1

2005. 1. 1-3. 16 3.78% 4.23%

2005.3. 17-5. 17 3.96% 4.4 1%

After 18, May 4, 2006.14% 4.59%

18, 4.32% and 4.77% in March 2007.

After May 19, 2007, 4.4 1% 4.86%

commercial loan interest rate

Year 1-5 years, 5-30 years.

4.77% 5.04% 2005. 1. 1

2005. 1. 1-3. 16 4.95% 5.3 1%

2005.3. 17 lower limit 5.27% 5.5 1%

After March 2005 17, the upper limits were 5.85% and 6. 12% respectively.

On April 28th, 2006, the lower limit was 5.5 1% 5.75%.

After April 28th, 2006, the upper limit was 6. 12% 6.39%.

The lower limit after August 2006 19 is 5.5 1% 5.58%.

After August 2006 19, the upper limits were 6.48% and 6.84%.

The lower limits after March 2007 18 were 5.74% and 6.04%.

After March 2007 18, the upper limit is 6.75% 7. 1 1%.

After May 19, 2007, it was 6.93% and 7.20% respectively.

65438+ 10 month 1, and in 2005, 1 raised interest rates; March 17, 2005, the second rate hike; April 28, 2006; The third rate hike; The fourth rate hike on August 19, 2006; March 18, 2007, the fifth rate hike; On May 19, 2007, the interest rate was raised for the sixth time.

The first rate hike: June 5438-1 October 20051,the provident fund loan rose from 3.60% to 3.78% within five years (including five years) and from 4.05% to 4.23% after five years.

Second interest rate hike: The People's Bank of China announced that since March 17, 2005, it will adjust the self-operated housing loan policy of commercial banks, restore the current preferential interest rate of housing loans to the same period, and implement the lower limit management. The lower interest rate level is 0.9 times of the benchmark interest rate of the corresponding term and grade loans. Taking individual housing loans with a term of more than five years as an example, the lower limit of interest rate is 0.9 times of the benchmark interest rate of 6. 12% (that is, 5.5 1%), which is 0.20 percentage points higher than the current preferential interest rate of 5.3 1%. At the same time, for cities or regions where real estate prices are rising too fast, the minimum down payment ratio of individual housing loans can be increased from the current 20% to 30%, and whether it is increased to 30% is up to commercial banks. From 5.3 1% to 5.5 1%, for users who have already made loans, the new interest rate will be implemented from June 65438+ 10/in 2006. For those customers who have submitted application forms or even signed contracts, but have not yet lent money, the bank will implement the new mortgage interest rate. The lower limit of interest rate adjustment is 5.5 1%, and the interest rate of some commercial banks may be equal to the benchmark loan interest rate of 6. 12%. The interest rate of individual housing provident fund loans increased slightly by 0. 18 percentage points, of which the annual interest rate of loans below five years (inclusive) was adjusted from the current 3.78% to 3.96%; Loans with a term of more than five years are adjusted from the current annual interest rate of 4.23% to 4.4 1%.

Third interest rate hike: From April 28th, 2006, the benchmark interest rate of individual self-operated housing loans with a term of more than five years was raised from 6. 12% to 6.39%, and the best downward interest rate that individuals can enjoy was raised from 5.508% to 5.75 1%.

Fourth interest rate increase: starting from August 19, 2006, the lower limit of interest rate for individual housing commercial loans is 5.5 1%, and it will be raised to 5.58% within 5-30 years; The upper limit is 1-5 years 6.48% and 5-30 years 6.84%; The loan interest rate of provident fund remains unchanged, and the deposit interest rate is adjusted from the current 1.7 1% to 1.80%. The deposit interest rate of individual housing provident fund collected in that year remains unchanged;

Fifth interest rate hike: On March 18, 2007, the central bank raised interest rates again.

Sixth interest rate hike: On May 19, 2007, the central bank raised interest rates again.