List of interest rates and deposit and loan interest rates of the four major banks in 2022

First, the four major domestic banks refer to China Industrial and Commercial Bank, China Agricultural Bank, China Construction Bank and China Bank. The interest rates of their 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.

Two. The deposit interest rates of the four major banks:

1, Bank of China: 1 annual interest rate 1.75%, 2-year interest rate 2.25%, 3-year interest rate 2.75%, 5-year interest rate 2.75%;

2. China Construction Bank: 1 annual interest rate 1.75%, 2-year interest rate 2.25%, 3-year interest rate 2.75%, 5-year interest rate 2.75%;

3. ICBC: 1 annual interest rate 1.75%, 2-year interest rate 2.25%, 3-year interest rate 2.75%, 5-year interest rate 2.75%;

4. Agricultural Bank: 1 annual interest rate 1.75%, 2-year interest rate 2.25%, 3-year interest rate 2.75%, 5-year interest rate 2.75%.

The above is the relevant content of the annual interest rates of the four major banks in 2022.

Is China People's Bank the Bank of China?

China People's Bank is not a bank in China, which is very different. This difference is mainly reflected in the characteristics and efficiency of banks.

1, with different characteristics: the People's Bank of China was founded in 1948, and 1983 gradually focused on performing the duties of the central bank; Bank of China, established in 19 12, is a commercial bank.

2. Different roles: As the central bank, the People's Bank of China is mainly responsible for maintaining stable financial development, macro-control and undertaking currency issuance. The currency and commemorative coins used in users' lives are all issued by the People's Bank of China. As a commercial bank, Bank of China mainly serves companies, individuals and other financial institutions. Provide users with applications for withdrawal, loan, payroll, electricity payment, investment and wealth management and other related businesses.

How does China Bank cancel SMS service fee?

1, mobile phone cancellation: users can directly call the official manual customer service phone of China Bank, and apply for SMS notification service for canceling personal bank card account after transferring the manual service;

2. Cancellation of business outlets: users bring their ID cards and bank cards to BOC outlets, and directly apply to bank personnel for SMS service for canceling bank card accounts;

3. Cancellation of mobile banking: log in to China Bank's mobile banking, enter account management, click on the bank card account with SMS service, then select "Account Change Notice" and click "Close" directly to close the service.

Need to be reminded that after the user applied to the bank to cancel the SMS service fee that month, it will not take effect until the next month. The general bank has deducted the SMS service fee at the beginning of the month, and the deducted fee cannot be returned by the bank. So we have to wait for two months before announcing the cancellation of the service. In the month of applying for canceling the service, users can still enjoy the SMS reminder service again. This article is mainly about the knowledge points of the annual interest rates of the four major banks in 2022, and the content is for reference only.