Bank of China loan interest rate table 2022 latest interest rate:
The latest benchmark interest rate table for bank loans: six-month interest rate 4.35, one-year interest rate 4.75, one-to-five interest rate 4.9; Provident fund loans: the interest rate for less than five years (including five years) is 2.75, the interest rate for more than five years is 3, the annual interest rate for short-term loans of the central bank is 4.35, and the annual interest rate for medium and long-term loans is 4.75; The annual interest rates of short-term loans and medium-and long-term loans of ICBC, Agricultural Bank and China Construction Bank are the same. And since April, 2002 1,1,the interest rate of the second set of self-occupied housing loans for employees who newly apply for housing provident fund loans has risen by 1. 1 times according to the interest rate of the first set of housing provident fund loans in the same period.
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Special attention: withdraw cash in full as soon as possible after the quota is issued, because risk control is dynamic.
It's best to put forward all the suggestions on demand. The risk control system will mistakenly think that you don't need this fund, which will lead to the failure of withdrawal. At least 60% is safer. Support early settlement of repayment after the first installment.
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Bank of China loan interest rate
I. The latest central bank loan interest rate (annual interest rate) in the loan interest rate table of the People's Bank of China.
Six months (inclusive) 4.35%
Half a year to one year (inclusive) 4.35%
One year to three years (inclusive) 4.75%
3 to 5 years (inclusive) 4.75%
More than five years, 4.9%
Second, the provisions of personal loans.
Refers to the local and foreign currency loans granted by banks or other financial institutions to natural persons who meet the loan conditions for personal consumption, production and operation. Among them, the basic conditions of the borrower are China citizens with full capacity for civil conduct or qualified foreign natural persons; The purpose of the loan is clear and legal; Good credit status, no major bad credit records; Have the will and ability to repay. On this basis, banks will have different requirements for borrowers according to the characteristics of different loans.
Three, personal bank loans roughly classified
1, according to the different purposes of personal loans, it can be divided into personal housing loans, car loans, study abroad loans, student loans, personal consumption loans, personal business loans and so on.
2. According to the different ways of personal loan guarantee, it can be divided into credit loan and secured loan, and the latter includes secured loan and mortgage loan.
3. According to the different repayment methods of personal loans, it can be divided into installment loans and one-time repayment loans. The former includes average principal, equal principal and interest, installment interest and one-time repayment, equal increase of principal, equal decrease of principal and combined repayment.
Four, personal bank loans matters needing attention
1. Repay by income. The repayment arrangement mainly determines the loan term and down payment ratio. Most bank loans are repaid by installments, that is, the loan principal and interest are repaid in equal amounts every month. When the loan amount is fixed, choosing different loan terms and products will determine different monthly repayment levels. Usually, the longer the loan term or the lower the product interest rate, the smaller the monthly repayment amount, and vice versa. The expected monthly income level is an objective constraint to determine the repayment arrangement. According to the experience of personal loans in developed countries, the average monthly repayment amount accounts for 15-50% of the monthly income level. If it exceeds 50%, the borrower's daily life and consumption level will be adversely affected. In absolute terms, the residual income of a family after monthly repayment should at least be higher than the minimum living standard per capita stipulated by Beijing. Repayment according to income is the most important point of personal loan.
2. Pay attention to the risk of interest rate changes. The personal loan interest rate is a floating interest rate. As long as the People's Bank of China adjusts the interest rate, the interest rate repaid by the borrower will change accordingly, and the monthly repayment amount will also be adjusted from the following year. Borrowers must pay attention to the change of their repayment amount, and be careful not to affect their personal credit because of less repayment or late repayment.
Don't forget to find the bank if you have difficulty in repaying the loan. When the repayment ability declines during the loan period, don't insist on it yourself when there is difficulty in repayment. You can apply to the bank for an extension of the loan period. If the bank investigation proves that there is no default in repayment of principal and interest, you will accept the application for extending the loan term.
What is the mortgage interest rate of 14?
14 bank loan interest rate table of China: annual interest rate of bank loans for each project (%)
I. Short-term loan interest rate
Six months (inclusive)
5.60%
Six months to one year (inclusive)
6.00%
Second, the medium and long-term loan interest rate
One to three years (inclusive)
6. 15%
Three to five years (inclusive)
6.40%
More than five years.
6.55%
This concludes the introduction of Bank of China loan form and how to fill it out. I wonder if you found the information you need from it?