Hello, American commercial banks can determine their spreads according to the Federal Reserve interest rate and customers' credit ratings, so it is best to choose the Federal Reserve funds rate as a reference.

The interest rate of the Federal Reserve is 5.25 per year, and the quotation between commercial banks is just 0.25, which can generally be 5.00/5.5, which is even higher for individuals. This is the spread, and this is the operating profit of commercial banks. Therefore, in order to get a unified standard, it is best to examine the federal funds rate.

If you need to analyze the interest rate changes and the views of the market/big banks on the Fed's interest rate adjustment, you can pay attention to the quotation of Eurodollar futures/options. Many overseas news reports mentioned that "the market thinks that the possibility of interest rate reduction in the United States is 73%" is converted according to the option quotation. FOMC meeting minutes can also be consulted.

Second, the interest rate of US dollar loans in 2022

According to the US Federal Reserve Fund, the loan interest rate of $222 is expected to be 0.85- 1. 10%. Most of the time, the interest rate of water will remain around 10%.

What is the loan interest rate of $3.20265438 +0?

On October 20th, 2002 1 65438+/kloc-0, the loan market quoted interest rate (LPR) was1year, 3.85%, and the LPR over five years was 4.65%. The above LPR is valid until the next LPR version. The LPR interest rate is quoted by the quoting bank. 18 LPR quotation banks are all of the same type, with strong influence, credibility and pricing power, and need to quote the best quality customers according to the bank's loan interest rate. In other words, the quotation of the quotation bank is supported by real transactions.

Four. Overseas dollar loan interest rate

The exchange rate of overseas US dollars is generally 12%, namely 1%. If it is 100, then the commission he needs is 1 12, and the interest is 12. Therefore, his exchange rate is still relatively high, and his interest rate is generally accurate.