On this basis, banks can float appropriately.
B.b. What is the interest rate of commercial loans in 2022?
The benchmark interest rate of central bank loans: the interest rate of short-term loans (within six months, including six months) is 4.35%; The loan interest rate for half a year to one year (including one year) is 4.35%. The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%. Commercial loans are generally applied through banks, and the interest rate of commercial loans will rise relative to the benchmark interest rate of loans. Each bank has its own interest rate regulations. The specific loan interest rate needs to be comprehensively evaluated in combination with the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets.
1, Industrial and Commercial Bank of China
In 2022, the interest rate of ICBC's short-term loans (within 6 months, including 6 months) was 4.35%; The loan interest rate for half a year to one year (including one year) is 4.35%. The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%.
If it is a provident fund loan, the loan interest rate for less than five years (including five years) is 2.75%; The loan interest rate for more than five years is 3.25%.
2. Agricultural Bank of China
In 2022, the short-term loan interest rate of China Agricultural Bank (within six months, including six months) was 4.35%; The loan interest rate for one year to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9%. For individual housing provident fund loans, the loan interest rate for five years and below is 2.75%, and the loan interest rate for five years and above is 3.25%.
3. Central Bank
In 2022, the interest rate of RMB bank loans in China will be 4.35% within one year (including one year), 4.75% for one to five years (including five years) and 4.9% for five years and above. For individual housing provident fund loans, the loan interest rate for five years and below is 2.75%, and the loan interest rate for five years and above is 3.25%. Pagination title #e#
4. Bank of Communications
In 2022, the loan interest rate of Bank of Communications is 4.35% within one year (including one year), 4.75% for one to five years (including five years) and 4.9% for five years or more.
5. China Construction Bank
In 2022, the short-term loan interest rate of China Construction Bank (within six months, including six months) was 4.35%; The loan interest rate for one year to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9%.
6. Postal Savings Bank
In 2022, the loan interest rate of the Postal Savings Bank (within six months, including six months) was 4.35%; The loan interest rate for one year to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9%.
C.c. List of major banks with mortgage interest rates in 2022
Mortgage rates of major banks:
1, China Construction Bank
The first interest rate is 5.9%(LPR+ 125BP) and the second interest rate is 6.35%(LPR+ 170BP).
2. Industrial and Commercial Bank of China
The first interest rate is 5.9%(LPR+ 125BP), and the second interest rate is 6. 1%(LPR+ 145BP).
3. Agricultural Bank of China
The first interest rate is 5.8%(LPR+ 1 15BP), and the second interest rate is 5.95‰(LPR+ 130BP).
4. Bank of China
The first interest rate is 6.35%(LPR+ 170BP) and the second interest rate is 6.5%(LPR+ 150BP).
At present, the major banks in China are Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank, Bank of Communications and Postal Savings Bank. These relatively large bank loan interest rates are based on the benchmark interest rate of the central bank.
The interest rate for more than one year (including one year) is 4.35%; The interest rate for one year to five years (including five years) is 4.75%; For more than five years, the interest rate is 4.9%; The loan interest rate for using the provident fund for less than five years (including five years) is 2.75%, and the loan interest rate for more than five years is 3.25%. Pagination title #e#
On February 2, 2022, the loan market quoted interest rate (LPR) 1 day was 3.7% for a period of five years or more, and 4.6% for a period of five years or more. The above LPR is valid until the next LPR announcement.
The loan market quotation (LPR) is quoted by the quoting banks according to the open market operating interest rate (mainly referring to the medium-term lending convenience rate), and is 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 steps of 0.05 percentage point. After excluding the highest and lowest quotations, the National Interbank Funding Center calculates the LPR arithmetically, rounding it to the nearest integer multiple of 0.05%, which will be announced at 9: 30 on the same day, and the public can borrow money from banks nationwide. At present, LPR includes 1 year and more than 5 years. According to the notice of the central bank, since August 20, 20 19, the quotation rate (LPR) of the loan mall has been calculated according to the quotation of the new composition mechanism.
D.D. Interest rate of first-hand housing loans of banks in 2022
Even different banks have different interest rates on first-hand housing loans in different places.
Interest rates in some cities that restrict the purchase of first-hand houses have also risen.
What is the mortgage interest rate of E.E.2022?
Latest mortgage interest rates of major banks in 2022
Bank first suite implementation interest rate second suite implementation interest rate
China Construction Bank 6.2266.27
Bank of China 6. 1256.37
China Industrial and Commercial Bank 6. 1255.28
China citic bank 6. 1256. 125
China everbright bank 6. 1256.3
Industrial Bank 5.886.86-7.35
Shanghai Pudong Development Bank
Ping An Bank 5.886.37
Agricultural Bank of China 5.886. 125
China guangfa bank 5.886. 12
Minsheng Bank 5.886.09
Bank of Chongqing 5.886. 125
Huaxia Bank 5.886. 125
Postal savings bank 5.786. 125
Bank of Chengdu 5.736.27
Citibank
HSBC
Provident Fund 6-6.2726.22-6.37
The interest rate of the first home loan of 8 banks in the first suite is 5.88%; The interest rate of the first home loan of ICBC, BOC, ICBC and China CITIC Bank is 6. 125%.
Among the relevant banks, Shanghai Pudong Development Bank has the lowest mortgage interest rate, and for very high-quality customers, the lowest interest rate can reach 5.635%. Please note that not everyone can enjoy the lowest interest rate, but depends on the qualifications of the lender, such as occupation, credit information and income.
The account manager of the personal loan department of the business department of Chengdu Branch of China Everbright Bank said that the minimum loan interest rate is 6. 1% if the loan amount of buyers is more than 500,000, and the minimum loan interest rate is 6.3% if the loan amount is less than 500,000.
F. List of bank mortgage interest rates in the first half of 2022
The following are the loan interest rates for more than five years, and each bank will be slightly different.
Ping An Bank: The benchmark interest rate of the first home loan is 4.65%, with BP 1.08% raised, and the interest rate of the executed loan is 5.73%. Loan prime rate for the second suite is 4.65%, with an increase of BP 1.32%, and the interest rate of the executed loan is 5.97%.
Agricultural Bank of China: The first property in loan prime rate is 4.65%, with an increase of BP 1.03%, and the interest rate of the executed loan is 5.68%. Loan prime rate for the second suite is 4.65%, with an increase of BP 1.28%, and the interest rate of the executed loan is 5.93%.
Industrial Bank: The benchmark interest rate of the first home loan is 4.65%, with BP 1.03% raised, and the interest rate of the executed loan is 5.68%. Loan prime rate for the second suite is 4.65%, with an increase of BP 1.28%, and the interest rate of the executed loan is 5.93%.
Industrial and Commercial Bank of China: The benchmark interest rate of the first home loan is 4.65%, with BP 1. 13% raised, and the interest rate of the executed loan is 5.78%. Loan prime rate for the second suite is 4.65%, with an increase of BP 1.33%, and the loan interest rate is 5.98%.
Bank of China: The benchmark interest rate of the first home loan is 4.65%, with BP 1.03% raised, and the interest rate of the executed loan is 5.68%. Loan prime rate for the second suite is 4.65%, with an increase of BP 1.28%, and the interest rate of the executed loan is 5.93%.
Bank of Communications: The benchmark interest rate of the first home loan is 4.65%, with BP 1.03% raised, and the interest rate of the executed loan is 5.68%. Loan prime rate for the second suite is 4.65%, with an increase of BP 1.28%, and the interest rate of the executed loan is 5.93%.
China Construction Bank: The benchmark interest rate of the first home loan is 4.65%, with BP 1.08% raised, and the interest rate of the executed loan is 5.73%. Loan prime rate for the second suite is 4.65%, with an increase of BP 1.38%, and the interest rate of the executed loan is 6.03%.
China Postal Savings Bank: The benchmark interest rate of the first home loan is 4.65%, with BP 1.03% raised, and the interest rate of the executed loan is 5.68%. Loan prime rate for the second suite is 4.65%, with an increase of BP 1.28%, and the interest rate of the executed loan is 5.93%.
China Merchants Bank: The benchmark interest rate of the first home loan is 4.65%, with BP 1.03% raised, and the interest rate of the executed loan is 5.68%. Loan prime rate for the second suite is 4.65%, with an increase of BP 1.28%, and the interest rate of the executed loan is 5.93%.
China Everbright Bank: loan prime rate for the first suite is 4.65%, with an upward adjustment of BP 1.03% and an execution loan interest rate of 5.68%. Loan prime rate for the second suite is 4.65%, with an increase of BP 1.28%, and the interest rate of the executed loan is 5.93%.
Shanghai Pudong Development Bank: The benchmark interest rate of the first home loan is 4.65%, with BP 1.03% raised, and the interest rate of the executed loan is 5.68%. Loan prime rate for the second suite is 4.65%, with an increase of BP 1.28%, and the interest rate of the executed loan is 5.93%.
China guangfa bank: the benchmark interest rate of the first home loan is 4.65%, with BP 1.03% raised, and the interest rate of the executed loan is 5.68%. Loan prime rate for the second suite is 4.65%, with an increase of BP 1.28%, and the interest rate of the executed loan is 5.93%.