Commercial loan: the annual interest rate is 4.35% within one year (including one year), 4.75% for one to five years (including five years) and 4.9% for more than five years.
Policy banks: including The Export-Import Bank of China, China Agricultural Development Bank and China Development Bank. Responsibilities: A financial institution that participates in or guarantees shares, does not aim at making profits, engages in policy financing activities directly or indirectly in a specific business field, and acts as a tool for the government to develop the economy, promote social progress and carry out macroeconomic management.
What is the mortgage interest rate of Agricultural Bank of China? 202 1 year.
In 20021year, the short-term loan interest rate of Agricultural Bank was 4.35%, the medium-term loan interest rate was 4.75%, the medium-and long-term loan interest rate was 4.9%, and the long-term loan interest rate was 3.25%. In addition, the interest rate of provident fund loans for less than five years is 2.75%.
How much has the interest rate of ABC's bank mortgage increased?
The latest interest rate of agricultural bank mortgage in 2022 is divided into the following five points.
The commercial loan interest rate within one year (including one year) is 4.35%;
The interest rate for one to five years (including five years) is 4.75%;
The interest rate for three or more years is 4.9%;
Personal housing provident fund loans for less than 5 years (including 5 years), the interest rate is 2.75%;
Personal housing provident fund loans for more than 5 years, the interest rate is 3.25%.
1. housing loan interest rate increase: the higher the housing loan interest rate, the higher the housing loan interest rate will definitely be. The interest rate of housing loan is based on LPR, where the benchmark is a fixed value and LPR is a fluctuating interest rate LPR. Of course, with the increase of interest rate, the interest rate of housing loan will also rise, but it will not rise every month. It may change only once a year, based on the repricing date;
2. Reduced loan term: the repayment period of mortgage loan is longer. In order to better end the debt relationship as soon as possible, some people will choose to repay part of the housing loan in advance, and then choose to reduce the loan repayment period. As the repayment period of mortgage loan is shortened, the monthly repayment amount will definitely increase and the loan interest will not change.
It should be noted that although prepayment can end the debt relationship in advance, the monthly repayment burden will increase, and sometimes prepayment is not worth it. If customers choose to repay part of the loan in advance, they need to pay liquidated damages for prepayment of the contract, because prepayment is actually a breach of contract.
What is the current loan interest rate of Agricultural Bank of China?
1. Short-term loan interest rate: the interest rate within one year and one year is 4.35%;
2. Medium-term loan interest rate: the interest rate for one year to five years is 4.75%;
3. Long-term loan interest rate: the interest rate for more than five years is 4.9%;
4. Personal housing provident fund loan interest rate: the interest rate for five years and below is 2.75%, and the interest rate for more than five years is 3.25%.
For high-quality customers with good credit, the Agricultural Bank will implement the loan market quotation interest rate: the one-year interest rate is 3.65%, and the interest rate over five years is 4.3%.
Agricultural Bank of China will increase the benchmark interest rate of central bank loans by about 10% for customers with average qualifications:
1. The loan term is within one year (inclusive) and the interest rate is 4.785%;
2. The loan term is from one year to five years (inclusive), and the interest rate is 5.225%;
3. The loan term is more than five years, and the interest rate is 4.39%;
4. The interest rate of buying a house with provident fund loans will not change, with the interest rate of 2.75% for five years and below and 3.25% for more than five years.
What is the loan interest rate of Agricultural Bank of China?
I. The four major banks in China refer to Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank and China Bank. Their interest rates for commercial loans and provident fund loans in 2022 are the same, and the actual interest rates are as follows:
1, short-term loans: 4.35% within six months (including six months) and 4.35% from six months to one year (including one year);
2. Medium and long-term loans: 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years;
3. Housing provident fund loans: 2.75% for less than five years (including five years) and 3.25% for more than five years.
II. Deposit interest rates of the four major banks:
1, Bank of China: 1 The annual interest rate is 1.75%, the annual interest rate for 2 years is 2.25%, the annual interest rate for 3 years is 2.75%, and the annual interest rate for 5 years is 2.75%;
2. China Construction Bank: 1 annual interest rate is 1.75%, 2-year interest rate is 2.25%, 3-year interest rate is 2.75%, and 5-year interest rate is 2.75%;
3. ICBC: 1 annual interest rate is 1.75%, 2-year interest rate is 2.25%, 3-year interest rate is 2.75%, and 5-year interest rate is 2.75%;
4. Agricultural Bank: 1 annual interest rate is 1.75%, 2-year interest rate is 2.25%, 3-year interest rate is 2.75%, and 5-year interest rate is 2.75%.
The above is the relevant content of the annual interest rate of the four major banks in 2022.
Please click to enter the picture description (maximum 18 words).
2. What is the current loan interest rate of Agricultural Bank of China?
According to the circular of the Central Bank:
Central bank loan benchmark interest rate:
(1) Short-term loan: within one year (including one year), the adjusted interest rate is 4.35.
(2) Medium and long-term loans: the adjusted interest rate is 4.75 for one to five years (including five years); The adjusted interest rate for more than five years is 4.90.
(3) Personal housing provident fund loan: the adjusted interest rate is 2.75 for less than five years (including five years); The adjusted interest rate for more than five years is 3.25.
Agricultural Bank, the loan interest rate for short-term loans (within six months, including six months) is 4.35%; The loan interest rate for six months to one year (including one year) is 4.35%. The loan interest rate for one 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%.
The loan interest rate is the interest rate charged to borrowers by banks and other financial institutions when they issue 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 determining factors of bank loan interest are:
1, bank cost. Cost-benefit comparison is necessary for any economic activity. 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. Supply and demand of borrowing money and funds. If supply exceeds 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 factors that restrict the interest rate are regarded as the comparison between the ratio of the profit increase after the enterprise borrows the bank loan and the loan interest rate. As long as the former is not less than the latter, enterprises may borrow money from banks.
The bank loan interest rate refers to the ratio of the interest amount to the principal amount during the loan period. China's interest rate is managed by the central bank. The bank loan interest rate refers to the benchmark interest rate set by the central bank, and the actual contract interest rate can fluctuate within a certain range on the basis of the benchmark interest rate.
The loan interest rate refers to the ratio of the interest amount to the principal amount during the loan period. To determine the interest rate of a loan contract with banks and other financial institutions as lenders, the parties can only negotiate within the upper and lower limits of the interest rate set by the central bank. If the loan interest rate is high, the repayment amount of the borrower will increase after the loan term, otherwise, it will decrease.
The loan interest rate is the main basis for the parties to the loan contract to calculate the loan interest, and the loan interest rate clause is the main clause of the loan contract.
To determine the interest rate of loan contracts with banks and other financial institutions as lenders, the parties can only negotiate within the upper and lower limits of interest rates set by the central bank. If the loan interest rate agreed by the parties is higher than the upper limit of the interest rate stipulated by the People's Bank of China, the excess is invalid; If the interest rate agreed by the parties is lower than the lower limit set by the central bank, the lowest interest rate set by the central bank shall prevail.
In addition, if the lender violates the provisions of the central bank and charges any other fees besides interest, it shall be punished by the central bank.
The loan interest rate is generally higher than the deposit interest rate, and the difference between them is the main source of bank profits.
Legal basis:
What is the current loan interest rate of ABC? (1) Short-term loan: within one year (including one year), the adjusted interest rate is 4.35.
(2) Medium and long-term loans: the adjusted interest rate is 4.75 for one to five years (including five years); The adjusted interest rate for more than five years is 4.90.
(3) Personal housing provident fund loan: the adjusted interest rate is 2.75 for less than five years (including five years); The adjusted interest rate for more than five years is 3.25.
Agricultural Bank, the loan interest rate for short-term loans (within six months, including six months) is 4.35%; The loan interest rate for six months to one year (including one year) is 4.35%. The loan interest rate for one to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%.
Brief summary:
What is the current loan interest rate of ABC? (1) Short-term loan: within one year (including one year), the adjusted interest rate is 4.35.
(2) Medium and long-term loans: the adjusted interest rate is 4.75 for one to five years (including five years); The adjusted interest rate for more than five years is 4.90.
(3) Personal housing provident fund loan: the adjusted interest rate is 2.75 for less than five years (including five years); The adjusted interest rate for more than five years is 3.25.
Agricultural Bank, the loan interest rate for short-term loans (within six months, including six months) is 4.35%; The loan interest rate for six months to one year (including one year) is 4.35%. The loan interest rate for one to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%.
3. What is the mortgage interest of the Agricultural Bank's real estate license?
Bank loan interest can be divided into short-term loan interest rate, medium-and long-term loan interest rate and provident fund loan interest rate according to the loan interest rate of China People's Bank in 2022. Specific analysis:
1. Short-term loan: the loan interest rate for six months (inclusive) is 4.35%; The loan interest rate for six months to one year (including 1 year) is 4.35%.
2. Medium and long-term loans: the loan interest rate for one to three years (including three years) is 4.75%; The loan interest rate for three to five years (including five years) is 4.75%; The loan interest rate for more than five years is 4.9%.
3. 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%.
The actual execution interest rate may fluctuate, which is subject to the actual transaction interest rate.
Application condition
Requirements of the borrower
1. Natural persons aged 18-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)
2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.
3. The actual age of the borrower plus the loan application period should not exceed 70 years old.
Materials to be provided by the borrower
1. Husband and wife's ID card and household registration book/foreigners need temporary residence permit and household registration book.
2 copies of marriage certificate/divorce certificate or judgment/single certificate.
3 proof of income (format specified by the bank)
4. Copy of the business license of the unit (with official seal)
5. Credit certificate: including academic certificate, other real estate, bank running water, large deposit certificate, etc.
6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
The plan of spending money in life can never keep up with changes, and there will always be times when money is unavailable or in urgent need. Duman Finance, which is a subsidiary of the former network finance, is a licensed company in industrial and commercial registration, Chongqing, and cooperates with licensed financial institutions such as regular banks and consumer finance companies to provide services. The credit line for those who have money to spend is 500,000-200,000, the minimum daily interest rate is 0.02%, and the annualized interest rate is 7.2%. The actual interest rate is determined by the system according to the comprehensive situation of users. The borrower must be at least 18 years old and not more than 55 years old. The loan information only needs the second-generation ID card and bank card, and it is not supported for students to apply for loans.