In 2022, the commercial loan interest rates of major banks will be adjusted according to the benchmark interest rate of the central bank. The commercial loan interest rates of the four major state-owned banks have basically not changed much, and the loan interest rates of local commercial banks may change a little. The specific interest rate still depends on the actual situation. The following is the relevant content of the bank commercial loan interest rate in 2022.
The loan interest rate of each bank is 1. Central bank: 6 months (including 6 months) is 4.35%, 6 months to 1 year (including 1 year) is 4.35%, 1 to 3 years (including 3 years) is 4.75%, and 3 to 5 years (including 5 years) is 4.75.
2. ICBC: 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years), 4.9% for more than five years, and housing provident fund loans for less than five years (including five years)
3. Agricultural Bank: 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years), 4.9% for more than five years, and housing provident fund loans for less than five years (including five years)
4. China Construction Bank: 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years), 4.9% for more than five years, and less than five years for housing provident fund loans (including)
5. Bank of China: 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years), 4.9% for more than five years, and housing provident fund loans for less than five years (including five years).
6. Bank of Communications: 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years), 4.9% for more than five years, and housing provident fund loans for less than five years (including five years)
7. China Merchants Bank: 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years), 4.9% for more than five years, and housing provident fund loans for less than five years (including five years)
8. CITIC Bank: 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years), 4.9% for more than five years, and housing provident fund loans for less than five years (including five years)
9. Everbright Bank: 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years), 4.9% for more than five years, and less than five years for housing provident fund loans (including five years)
10, Shanghai Pudong Development Bank: 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), and 4.75% for 1 to 3 years (including 3 years).
1 1, SDB: 5.6% for six months (including six months), 6.0/5% for six months to one year (including one year), 6.4% for three to five years (including five years), and five years.
12. Ping An Bank: 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for five years and above.
13. China guangfa bank: 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for five years and above.
14, Huaxia Bank: 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for five years and above.
15. Minsheng Bank: 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for five years and above.
16, Industrial Bank: 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for five years and above.
17, Bank of East Asia: 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for five years and above.
18, Bank of Beijing: 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for five years and above.
19, China Postal Savings Bank: 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for five years and above.
20. Dezhou Bank: 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years), 4.9% for more than five years, and less than five years for housing provident fund loans (including)
The LPR for more than 5 years is adjusted to 4.45%! What impact will it bring? Attached to the latest market in 2022 On May 20, 2022, the People's Bank of China released the latest market of lpr in May, showing that the LPR for five years or more was adjusted to 4.45%. What happened to LPR in the past five years? What impact will it bring? Attached is the latest quotation in May 2022! 1. What happens when the LPR is adjusted to 4.45% in five years? Attached is the latest quotation in May 2022!
Adjusting the five-year LPR to 4.45% means that the five-year LPR will be 4.45% in May 2022. Because on May 20, 2022, the People's Bank of China released the latest quotation of lpr in May 2022, showing that the LPR for 1 year is 3.7%, and that for five years and above is 4.45%. The above LPR is valid until the next LPR version.
1. What does the five-year lpr interest rate mean?
The five-year lpr interest rate refers to the bank's five-year optimal customer loan and the average interest rate of the loan during this five-year period. The purpose of setting the five-year lpr interest rate is to stabilize housing prices. The monthly announcement issued by the central bank tends to guide the five-year lpr interest rate to remain unchanged in monetary policy, but it will actively guide the one-year lpr interest rate to be lowered for the real economy.
The historical data of lpr interest rate over 2.5 years are as follows:
(1) The latest offer of lpr over 5 years April 2022: LPR over 5 years is 4.6%.
(2) Latest quotation of lpr for more than 5 years: March 2022: LPR for more than 5 years is 4.6%.
(3) Latest quotation of 5-year lpr: February 2022: 5-year LPR is 4.6%.
(4) The latest offer of lpr for more than 5 years is 65438+20221October: LPR for more than 5 years is 4.6%.
(The latest quotation of lpr for more than five years is 202 1 year 65438+February: lpr for more than five years is 4.65%.
(The latest quotation of lpr over five years is 202 1 year1month: lpr over five years is 4.65%.
(The latest quotation for lpr over five years is 202 1 year1month: lpr over five years is 4.65%.
(8) The latest quotation for the 5-year lpr is 2021September: the 5-year LPR is 4.65%. 2. What will be the impact of adjusting the LPR to 4.45% in five years?
The LPR for more than 5 years was adjusted to 4.45%. Impact 1: the monthly supply of buyers is lowered.
According to the latest news released by the People's Bank of China on May 20, 2022, it is shown that the lpr over five years is 4.45% in May 2022, while the lpr over five years is mainly aimed at mortgage loans, which will reduce the monthly payment of late buyers, because the monthly adjusted LPR in China is the loan interest rate of commercial banks for the best quality customers, and other loan interest rates can be generated by adding or subtracting points on this basis. If the monthly supply decreases, it will also decrease accordingly.
LPR has been adjusted to 4.45% for more than five years. Impact 2: The reduction of mortgage interest rate will gradually expand.
This five-year lpr adjustment is the second downward adjustment since 20021,so the national bonus reduction will be faster. The final result is that interest rates in first-and second-tier cities are expected to be lowered to 5%-5.5%, and third-and fourth-tier cities are expected to be lowered to around 4%. The specific downward adjustment is related to the bonus coefficient of each city, and ultimately depends on the stimulating effect of interest rates on housing prices. Summary: The five-year LPR is adjusted to 4.45%, which means that the five-year LPR will be 4.45% in May 2022. This downward adjustment will reduce the monthly payment of buyers, and the downward adjustment of mortgage interest rate will gradually expand, but it depends on local policies. After all, it is related to the basic points stipulated by the handling bank, and the basic points stipulated by different regions and different banks will be different.