20 15,101October 24, the interest rate of provident fund loans was adjusted and implemented. The interest rate of provident fund loans for more than five years is 3.25%, the monthly interest rate is 3.25%/ 12, and the interest rate of provident fund loans for less than five years is 2.75% per year, which is consistent throughout the country.
Commercial loan: (1) The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different lending banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis. The current benchmark interest rate was adjusted and implemented on July 6, 20 12. Types and annual interest rates are as follows: ① short-term loans for 6 months (inclusive) 5.6%; ② 6% for half a year to one year (inclusive); ③ One to three years (inclusive) 6.15%; ④ Three to five years (inclusive) 6.4%; ⑤ More than five years, 6.55%. (2) Mortgage is a comprehensive evaluation of the bank loan interest rate according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first suite or not). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is 1.60000000006.
Since 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. In early April, the bank began to implement the first home loan interest rate concessions. The interest rate discount of some banks can be up to 15%. The interest rate after 15% discount for five years or more is 6.55%*0.85=5.5675%. Due to the shortage of funds and insufficient credit funds, it has been tightened since the third quarter and the beginning of 20 13. The interest rate of the first suite is generally between the benchmark interest rate and the 15% discount.