In 20 14, the people's bank of China adjusted the loan interest rate for 20165438+1October 22nd. Prior to this, the interest rate adjusted on July 6, 20 12 will be implemented. 20 14 1 1.22 The adjusted commercial loan interest rate is 5.60% within one year (including one year), 6.00% within one to five years (including five years) and 6. 15% over five years. The benchmark interest rate of housing provident fund loans for less than five years (including five years) is 3.75%, and it is 4.25% for more than five years.
On July 6, 20 12, the adjusted commercial loan interest rate is 5.60% within six months, 6.00% from six months to one year, 6. 15% from one year to three years, 6.40% from three years to five years, and 6.55% for more than five years; Personal housing provident fund loans are 4.00% for less than 5 years and 4.50% for more than 5 years.
The loan interest rate has always been our concern. After all, the lower loan interest rate makes users pay less interest. Generally, you can get interest rate concessions by becoming a high-quality customer of the bank. Before handling the loan, users can consult different banks and choose the one that suits them best.
When handling loans, users should be able to measure their income in the next few years. If your income has been growing steadily, you can borrow money. If your income fluctuates, users should be cautious in lending to prevent overdue repayment and affect personal credit information.
The loan interest rate table of China People's Bank is 20 14.
From 20 14,165438+122, the benchmark interest rates for RMB loans and deposits of financial institutions will be lowered.
The benchmark interest rate for one-year loans of financial institutions was lowered by 0.4 percentage points to 5.6%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to 2.75%. At the same time, the upper limit of the floating range of deposit interest rate of financial institutions is adjusted from 1. 1 times of the benchmark deposit interest rate to 1.2 times. The benchmark interest rates of other grades of loans and deposits are adjusted accordingly, and the term grades of benchmark interest rates are appropriately degenerate.
Loan interest rate table:
Extended data:
1, 2014 65438+1October1-65438+1October 2 1, and the benchmark annual interest rate of the loan announced by the People's Bank of China is as follows: within 6 months (inclusive) 5.6. 6 months to 1 year (including 1 year) 6%; 1-3 years (including 3 years) 6.15%; 3-5 years (including 5 years) 6.4%; More than 5 years, 6.55%;
2.20 14,165438+1October 22-65438+February 3 1, and the benchmark annual interest rate of loans announced by the People's Bank of China is as follows: 5.6% within 6 months (inclusive); 6 months to 1 year (including 1 year) 5.6%; 1-3 years (including 3 years) 6%; 3-5 years (including 5 years) 6%; More than 5 years, 6. 15%.