Bank loan interest rate

What's the interest rate for bank loans?

According to the notice of the central bank:

Central bank loan benchmark interest rate:

(1) Short-term loan: within one year (including one year), and 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: after five years (including five years), the menu adjustment interest rate is 2.75; The adjusted interest rate for more than five years is 3.25.

Agricultural Bank, 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%.

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 by banks and other financial institutions to borrowers 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 decisive factors of bank loan interest are:

1, bank cost. Any economic activity needs cost-benefit comparison. 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.

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What's the loan interest rate?

How much is the interest on the bank loan?

At present, the bank loan interest rate is determined according to the fluctuation of the benchmark loan interest rate stipulated by the People's Bank of China. Different banks and products will have different interest rates.

At present, our loan interest rate is as follows: 4.85% for loans within 6 months (including 6 months).

Loans from six months to one year (including 1 year) 4.85%

One to three years (including three years) loan 5.25%

3 to 5 years (including 5 years) loan 5.25%

Loans with a term of more than five years are 5.40%. After the promulgation of Article 5, branches can further increase the down payment ratio and interest rate of the second home loan in cities where house prices are rising too fast according to the real estate control objectives and policy requirements of the local people's government. At present, all localities are studying and formulating relevant implementation rules, which can be implemented after being formulated and reported to the head office of the People's Bank of China for approval. Consistent with previous market expectations, in some cities where house prices have risen too fast, the down payment for second-home mortgage may be raised to 70%, and the interest rate may be raised to 1.3 times.

According to the relevant provisions of the state:

1. All localities continue to track and monitor the issuance of individual housing loans, and pay close attention to the interest rate and down payment ratio of the first home loan and the implementation of the housing loan policy for non-local residents.

2. Financial institutions should strictly implement the differentiated housing credit policy, optimize the interest rate structure, and set reasonable prices to meet the loan demand of households for purchasing self-occupied ordinary commodity housing for the first time. According to industry insiders, it is unlikely that the credit policy of the first home will change, and it will still be implemented according to the preferential interest rate of 30% down payment and a minimum of 8.5%. Therefore, the first home buyers need not worry too much about the adjustment of the credit policy.

3. Support the reasonable credit demand of small and medium-sized ordinary commodity housing projects and government land reserve institutions, and promote the increase of effective market supply.

4. In the future, we should strengthen window guidance, guide banking financial institutions to continue to support the reasonable credit demand of government land reserve institutions and real estate development enterprises on the basis of preventing risks, pay attention to the capital situation of real estate enterprises and its impact on loan quality, and continue to track the changes in real estate financing structure and the trend of foreign capital inflow.

5. It is necessary to improve the financial service level of affordable housing projects, urge banking financial institutions to issue loans to eligible affordable housing projects in a timely manner on the basis of strengthening management and preventing risks, and support qualified enterprises to issue medium-term notes and other bond financing tools in the inter-bank bond market, which will be used exclusively for the construction of affordable housing projects.

What is the loan interest of financial institutions? Just do the math.

Friends who often borrow money may find that the loan interest and interest description of financial institutions are floating within the scope permitted by law, so friends who borrow money are not very clear. For example, what is the specific scope permitted by law? How much is the loan interest? Let's give you a detailed introduction and see what the loan interest of financial institutions is generally.

I. Legal Scope of Loan Interest Rate of Financial Institutions

According to the standard of "two lines and three districts", the legal upper limit is not four times of LPR interest rate, which is only applicable to private lending and not to loans from financial institutions.

"Two lines and three districts" is to divide 24% and 36% of the three districts into two lines. If the annual interest rate is less than 24%, it is guaranteed. If the annual interest rate is between 24% and 36%, it will not be disturbed. If the annual interest rate exceeds 36%, the excess interest will be deemed invalid, and the borrower has the right not to pay or recover.

2. Take China Post's consumer finance as an example. What is the general interest rate?

China Post Consumer Finance is a formal licensed financial company approved by China Banking and Insurance Regulatory Commission, and has a variety of loan products. Except for the annual interest rate of postal savings loans, the annual interest rate of other loan products is between 10.80%-23.76%, and the loan interest rate is completely protected by the judiciary.

Suppose the loan is 10000 yuan, the loan term is one year, and the monthly repayment is equal.

1, minimum annual interest rate 10.8%, total interest = 594438+0 yuan;

2. If the highest annual interest rate is 23.76%, the total interest is = 1333.22 yuan.

In addition, the total interest under the average capital repayment method is less than that under the equal monthly repayment method, and how much less depends on the loan amount.

The above is related to the loan interest of financial institutions. According to this example, the annual loan interest is about 594.438+0-6438+033.22 yuan.