When is the postal loan interest rate adjusted every year?

1. What is the annual adjustment date of the postal loan interest rate?

The postal loan interest rate is adjusted on the 20th of each month. On the 20th of each month (postponed in case of holidays), the highest and lowest quotations are excluded and submitted to the National Interbank Funding Center for arithmetic average, and the closest integer multiple of LPR to 0.05% is calculated, which will be announced at 9: 00+05 on the same day.

2. Are the interest rates of banks and post offices the same? How often do you usually adjust the interest rate?

The benchmark of all domestic banks is based on a national standard, but each bank can have the right to float up or down 10%, 20%, 30%! How many times to adjust the interest a year depends on the economic situation of the country, but if you already have a loan, how many times to adjust the interest a year will be implemented on June 65438+ 10/the following year.

Third, will the bank mortgage interest rate be raised after 2020?

Postal savings bank's first home loan interest rate in 2020

short-term loan

Within six months (including six months) 4.35

Six months to one year (including one year) 4.35

medium and long term loans

One to three years (including three years) 4.75

Three to five years (including five years) 4.75

More than five years 4.9

According to the latest LPR, in 2022 1 October 20th, the LPR of1year was 3.65%, and that of those over five years was 4.3%. Of course, loans over five years are mainly mortgage loans. Therefore, for property buyers, they only need to pay attention to the five-year LPR, and the benchmark is 4.3%.

According to the notice issued by the central bank on May 15, 2022, the lower limit of the interest rate of the first set of commercial personal housing loans was adjusted to be no less than the quoted interest rate of the loan market minus 20 basis points in the same period, and the lower limit of the second set of commercial personal housing loans was implemented according to the current regulations.

Before the adjustment, the lower limit of the first home loan interest rate is the quoted interest rate of the loan market for the corresponding term, and the second set is LPR60 basis points. According to the latest loan market quotation (LPR) of 65438 1 October 20th, the LPR of1year is 3.65%, and that of 5 years and above is 4.3%.

4. When is the postal loan interest rate adjusted every year?

The mortgage agreement of the Postal Savings Bank is 65438+ 10/update interest rate every June. The agreement in this contract may be different in branches in different regions, and the agreement in the loan contract shall prevail.

After the interest rate adjustment, the monthly payment will be recalculated according to the remaining mortgage principal, loan term and current interest rate, and the interest rate discount or floating ratio will remain unchanged when lending. The specific interest rate adjustment time is not based on the interest rate adjustment time of the benchmark interest rate of the People's Bank of China, but based on the specific agreement in the loan contract of the loan bank, and is automatically updated according to the time agreed in the contract. Generally, there are two conventions for updating time: 1, and 1 every year to the agent banks of current interest rate: Industrial and Commercial Bank of China, Agricultural Bank of China, Postal Bank, etc. 2. The lender updates the current interest rate to the representative bank every month: Bank of China.