The latest housing loan interest rate list, 20 16 Bank of Communications housing loan interest rate table adjustment project annual interest rate% 1. Short-term loans within six months (including six months) 4.35 six months to one year (including one year) 4.35 2. Medium and long-term loans for one to three years (including three years) 4.75 for three to five years (including five years) 4.75 for more than five years 4.9 3. Discount is determined with the rediscount rate as the lower limit. 2.75 More than five years 3.25 I. Benchmark interest rate for loans The benchmark interest rate for loans is issued by the People's Bank of China, and the actual interest rate implemented by banks fluctuates on the basis of the benchmark interest rate. The loan interest rates of different regions, different banks and different loan products will be different. 202 1 latest benchmark interest rate table for bank loans: the half-year interest rate is 4.35, the one-year interest rate is 4.75, and the one-to-five-year interest rate is 4.9; Provident fund loans: the interest rate for less than five years (including five years) is 2.75, the interest rate for more than five years is 3, the annual interest rate for short-term loans by the central bank is 4.35, and the annual interest rate for medium and long-term loans is 4.75; The annual interest rates of short-term loans and medium-and long-term loans of China Industrial and Commercial Bank, China Agricultural Bank and China Construction Bank are the same. And since April, 2002 1,1,the interest rate of the second set of self-occupied housing loans for employees who newly apply for housing provident fund loans will be increased by 1. 1 times. Ii. Loan market quotation rate (LPR) The loan market quotation rate (LPR) is quoted by each quotation bank according to the open market operating rate (mainly referring to the medium-term lending convenience rate) and calculated by the National Interbank Funding Center to provide pricing reference for bank loans. LPR quotation banks now include 65,438+08 banks. Before 9: 00 on the 20th of each month (postponed in case of holidays), each quotation bank shall submit the quotation to the National Interbank Funding Center in the unit of 0.05 percentage point. After removing the highest and lowest quotations, the National Interbank Funding Center calculates LPR by arithmetic average and rounds it to the nearest integer multiple of 0.05%. The figure will be announced at 9: 30 on the same day, and the public can borrow money from national banks. At present, LPR includes 1 year and more than 5 years. According to the announcement of the People's Bank of China (Announcement [20 19]No. 15), the quotation rate (LPR) of the loan mall will be calculated according to the new composition mechanism from August 20th, 20 19.