List of the latest lpr interest rates in 2023

I. List of the latest lpr interest rates in 2023

As of May 30, 2023, * * was published five times in 2023.

1.2023 1.20 loan market quotation (LPR) is: 1 year lpr3%;

2. February 2023): 1 year LPR 3.7%, 5-year lpr 4.6%;

3. On March 2, 2023, the loan market quoted interest rate (LPR) was: 1 year, 3.7%, and 4.6% for more than five years;

The four-phase bid interest rate (LPR) is: 0-year 65438+3.7%, 5-year above 4.6%;

5. On May 20th, 2023, the loan market quoted interest rate (LPR) was: 65438+3.7% 0-year LPR, 4.45% 5-year LPR3.7%.

Relevant contents of the above rate table.

Why should I buy insurance for bank loans?

It is normal for banks to handle housing loans, such as mortgage housing comprehensive insurance. Usually, the risk of bank mortgage loans. If the user dies or is disabled due to an accident during the repayment period (insurance period), he will repay all or part of the remaining unpaid mortgage loan on behalf of the user. Naturally, if you buy insurance that has nothing to do with the mortgaged house, it may be to complete the business volume of the business outlets. If you don't want to buy it, you can refuse it directly. Among the seven bans set by the banking supervision and management department, the professional requirements prohibit tying loans, that is, banks and financial institutions are not allowed to bundle or bundle financial products such as wealth management, insurance and funds.

Can I get the real estate license after the mortgage is paid off?

Before the mortgage is paid off, the real estate license does not need to be collected. If the real estate license is obtained within 90 days from the effective date of the contract. Otherwise, the owner has the right to ask the real estate developer to give a statement, and what you bought is a pre-sale house, and you can generally get the real estate license within 90 days from the date of delivery. It should be noted that many users think that loans to buy real estate licenses need to be mortgaged in the bank, so they can only buy a house after the housing loan is repaid. Now mortgage loans don't need to be mortgaged in the bank. After the user has gone through the formalities of real estate mortgage, the real estate management bureau will generally pledge the documents, and the real estate license will of course be kept by the user personally. Because the house has been mortgaged, even if the real estate license is in the hands of individuals, users can't change their names at will, and they need to wait for the mortgage to be paid off and go through the mortgage formalities. The house really belongs to the user. This article was mainly written in 2023, and the latest lpr is for reference only.

Two. List of the latest lpr interest rates in 2023

As of May 30, 2023, the interest rates of lpr issued five times in 2023 were: 1 .202365438+1October 20, respectively. The quoted interest rate (LPR) of the loan market was:1year, and the LPR for more than five years was 4.6%. 2. On February 2, 2023, the loan market quoted interest rate (LPR) was: 1 year, 3.7%, and over 5 years, 4.6%; 3. On March 2, 2023, the loan market quoted interest rate (LPR) was: 1 year, 3.7%, and 4.6% for more than five years; 4. On April 20, 2023, the loan market quoted interest rate (LPR) was: 1 year LPR of 3.7%, and LPR of more than 5 years was 4.6%; 5. On May 20, 2023, the quoted interest rate (lpr) of the loan market was 1 year LPR3.7%, and the 5-year LPR 4.45% 3.7% above 3.7% was the latest LPR interest rate list in 2023. Why should I buy insurance for bank loans? It is normal for banks to require users to purchase comprehensive insurance for personal mortgage housing when handling housing loans. Usually banks require users to buy in order to better prevent mortgage risks. If the user dies or is disabled due to an accident during the repayment period (insurance period) and lacks the repayment ability in whole or in part, the insurance company will undertake the corresponding repayment obligation according to the regulations and repay all or part of the remaining unpaid mortgage loan on behalf of the user. Naturally, if you buy insurance that has nothing to do with the mortgaged house, it may be to complete the business volume of the business outlets. If you don't want to buy it, you can refuse it directly. Among the seven bans set by the banking supervision and management department, the professional requirements prohibit tying loans, that is, banks and financial institutions are not allowed to bundle or bundle financial products such as wealth management, insurance and funds. Can I get the real estate license after the mortgage is paid off? Before the mortgage is paid off, the real estate license does not need to be collected. If the user buys an existing house, he can generally get the real estate license within 90 days after the contract takes effect. Otherwise, the owner has the right to ask the real estate developer to give a statement that the real estate developer needs to bear certain liability for breach of contract. If you buy a pre-sale house, you can generally get the house ownership certificate within 90 days from the date of delivery. It should be noted that many users think that loans to buy real estate licenses need to be mortgaged in banks, so they can only obtain real estate licenses after the housing loans are repaid. In fact, mortgage loans do not need to be mortgaged in banks now. After the user has gone through the mortgage formalities, the Housing Authority will generally hand over other warrants, that is, the mortgage certificate, to the bank, and the real estate license will of course be kept by the user personally. Because the house has been mortgaged, even if the real estate license is in the hands of individuals, users can't change their names at will, and they need to wait for the mortgage to be paid off and go through the mortgage formalities. The house really belongs to the user. This article was mainly written in 2023, and the latest lpr is for reference only.

3. What is the latest five-year lpr interest rate in 2023?

The People's Bank of China authorized the National Interbank Funding Center to announce that the loan market quoted interest rate (LPR) in 2023 is: 1 year, 3.65%, and 4.3% over five years. The above LPR is valid until the next LPR version.

Four. The latest deposit interest rate table of China People's Bank.

Deposit item

RMB deposit interest rate table

Date of interest rate change: 2008-12-232008-1272008-1302008-10-092007-65438.

I. Deposits of urban and rural residents and units

(1) Current account 0.36%0.36%0.72%0.72%0.72%

(2) On a regular basis

1. lump sum deposit and withdrawal

Three months1.71%1.98% 2.88% 3.15% 3.33%

Half a year1.98% 2.25% 3.24% 3.51%3.78%

One-year 2.25% 2.52% 3.60% 3.87% 4.14%

2.79% 3.06% 4.65438+4.41%4.68% in the biennium.