In 223, the benchmark loan interest rate announced by the People's Bank of China was 4.35% for one year (including one year) and 4.75% for one to five years (including five years). At present, the benchmark interest rate of commercial loans is 4.9%, and the loan period exceeds 5 years. Affected by the policy of restricting purchases and loans, local banks have different adjustments to the interest rate of the first home loan. The average interest rate of the first suite in China is 5.38%, and the interest rate generally rises by 5%-2%. The interest rate of second-home loans generally rises by 1%-3%.

the benchmark interest rate for provident fund loans is 2.75% for loans with less than five years (inclusive), 3.25% for loans with provident fund for more than five years, and the interest rate for second-home loans has generally increased by 1%. The benchmark interest rate for new loans announced by the People's Bank of China is subject to the latest interest rate announced by the People's Bank of China.

1. entrusted loan:

entrusted loan refers to the loan granted, supervised and assisted by government departments, enterprises, institutions and individuals according to the loan object, purpose, amount, term and interest rate determined by customers. The lender (trustee) only charges the handling fee and does not bear the loan risk.

2. Credit loan:

Credit loan refers to the loan granted in the name of the borrower. Its characteristic is that the debtor does not need to provide collateral or third-party guarantee, but can only obtain a loan on his own reputation, and the borrower's credit degree is used as the repayment guarantee. This kind of rock-trapped credit loan has been the main loan method of China Bank for a long time.