The quoted loan market interest rate (LPR) remains unchanged within 18 months. The People's Bank of China authorized the National Interbank Funding Center to announce that on September 22nd, 20021year, the loan market quoted interest rate (LPR) 1 year was 3.85%, and it was 4.65% for five years or more. The quotation of these two terms is the same as last month.
The loan interest varies from year to year, but it is not arbitrary. Generally speaking, the bank's loan interest rate will fluctuate according to the benchmark interest rate issued by the central bank. The five-year loan interest rate issued by the central bank in 202 1 is 4.65%, so the loan interest rates of all banks will fluctuate on this basis.
According to the LPR interest rate, the bank will increase the loan interest rate by 10%. If the user's personal qualification is average, it will increase by 15%-20%, and if the user's personal qualification is not very good, it will increase by more than 20%. According to national regulations, the maximum loan interest rate shall not exceed 36% of the LPR interest rate, and the excess is not protected by law.
The annual interest rates of different banks are different, even if the interest rates of different outlets of the same bank are different. However, they are all formulated with reference to the benchmark interest rate set by the central bank, and the actual loan interest rate may rise. The annual interest rate is divided into deposit interest rate and loan interest rate. The following is the annual interest rate of the central bank: 202 1 year, and the benchmark interest rate of demand deposits of the People's Bank of China is 0.35%.
The three-month lump-sum deposit and withdrawal interest rate is1.1%; The interest rate for half a year is1.3%; The annual interest rate is1.5%; The two-year interest rate is 2.1%; The annual interest rate is 2.75%.
Deposit in installments, principal and interest. The annual interest rate is1.1%; The annual interest rate is 1.3%. You can get a 60% discount if you continue to access the same grade interest rate within one year.
The following is the annual interest rate of central bank loans of 202 1:
(1) Short-term loans. The loan interest rate for more than six months (inclusive) is 4.35%; The loan interest rate is 4.35% from half a year to one year (including one year).
(2) medium and long-term loans. The loan interest rate is 4.75% for one to three years (including three years); The loan interest rate is 4.75% for three to five years (including five years); The loan interest rate for more than five years is 4.9%.
(3) provident fund loans. 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%.