It depends. Generally speaking, 30% at most.

2.202 1, what is the maximum interest rate increase of several tens of percent for major banks?

Interest rates are divided into deposit interest rates and loan interest rates. Deposits are divided into demand and fixed interest rates. Regular periods are divided into three months, six months, one year, two years and three years (five years).

From June 202 1 to June 2 1, the deposit interest rates of the four major state-owned banks (Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank and Bank of China) rose by 50 basis points.

Loan interest rates are divided into short-term and medium-and long-term and personal housing loans. The floating interest rate of commercial loans shall not exceed 24%.

3. What is the floating range of loan interest rate stipulated by the People's Bank of China for commercial banks at present?

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 will rise more than four times during the same period, 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 interest is paid 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.

4. Does the state stipulate the maximum limit of bank loan interest?

There is no upper limit for the interest rate ceiling released by the state, that is, there is no upper limit for the bank loan interest rate, so there is no upper limit for the loan interest. However, the loan interest rates of urban credit cooperatives and rural credit cooperatives are still subject to the upper limit management, and the maximum floating coefficient is 2.3 times of the benchmark loan interest rate, and the downward fluctuation of the loan interest rate remains unchanged.

According to Article 2 of the Notice on Adjusting Deposit and Loan Interest Rates of Financial Institutions, the floating range of loan interest rates of financial institutions is relaxed, allowing deposit interest rates to float downwards.

1. The loan interest rate of financial institutions (except urban and rural credit cooperatives) is no longer capped. Commercial bank loans and loans managed by policy banks according to commercialization are no longer subject to upper limit management, and the downward fluctuation of loan interest rates remains unchanged. The loan interest rates of urban credit cooperatives and rural credit cooperatives are still subject to the upper limit management, and the highest floating coefficient is 2.3 times of the benchmark loan interest rate, and the downward fluctuation of the loan interest rate remains unchanged. Personal housing loans, preferential loans and loans as otherwise stipulated in the State Council, the interest rate does not rise.

2. Establish a downward floating system of RMB deposit interest rate. Financial institutions take the benchmark interest rate of RMB deposits set by the People's Bank of China as the upper limit, and implement the deposit interest rate downward floating system. That is, the lower limit of RMB deposit interest rate is 0, and the upper limit is the benchmark interest rate of deposits of all grades. Taking the adjusted one-year deposit rate (2.25%) as an example, financial institutions can independently determine the one-year deposit rate within the range of 0-2.25%. The deposit interest rate cannot go up. The scope of the deposit interest rate downward floating system includes RMB deposits of enterprises and institutions absorbed by financial institutions and RMB savings deposits of urban and rural residents.

Extended data:

Determination of loan interest rate in Article 13 of the General Principles of Loans. The lender shall determine the interest rate of each loan according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China, and specify it in the loan contract.

Article 14 Calculation and collection of loan interest. Lenders and borrowers shall collect or pay interest on schedule according to the loan contract and relevant interest-bearing provisions of the People's Bank of China. When the loan extension period and the original term reach the new interest rate term grade, the loan interest will be charged at the new term grade interest rate from the date of extension. Penalty interest is charged for overdue loans according to regulations.