The mortgage interest rate depends on the time of the loan. For example, for short-term loans within one year (including one year), the loan interest rate is 4.35%, for medium-and long-term loans within one year to five years (including five years), the loan interest rate is 4.75%, and for loans over five years, the loan interest rate is 4.9%. Secondly, if provident fund loans are used, the loan interest rate for less than five years (including five years) is 2.75%, and the loan interest rate for more than five years is 3.25%.
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The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when granting 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 determinants 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 relationship between 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 highest limit of interest rate should be the marginal rate of return of funds. The factor that restricts the interest rate is the comparison between the profit growth rate after the enterprise borrows from the bank and the loan interest rate. As long as the former is not lower than the latter, enterprises may borrow money from banks.