The loan interest rates of major banks are 4.35% for loans within one year (inclusive) and 4.9% for loans over five years.

The mortgage interest rates are all floating interest rates by default, that is, the LPR is used as the pricing benchmark, and the interest rate calculated after adding basis points is the final mortgage interest rate.

LPR will change. The LPR interest rate in November 2020 is: 3.85% for one-year term; 4.65% for five-year term.

Extended information: Bank mortgage interest rates are generally calculated based on the central bank's benchmark interest rate, and different banks have different floating standards; take the mortgage interest rates of various commercial banks in Shenzhen as an example: 1. Bank of China, Industry, Agriculture, Construction, China Construction Bank, and Bank of Beijing: First

The interest rate for a first-time home will rise by 10% (the interest rate for more than five years is 5.39%), and the interest rate for a second home will rise by 15% (the interest rate will be 5.635% for more than five years); 2. Bank of Communications: The interest rate for a first-time home will rise by 15% (the interest rate will be 5.635% for more than five years).

The interest rate for a first-time home will rise by 20% (the interest rate for more than five years is 5.88%); 3. Industrial Bank: the interest rate for the first home will rise by 15% (the interest rate for more than five years will be 5.635%), and the interest rate for the second home will rise by 40% (the interest rate will be 6.86% for more than five years).

List of bank loan interest rates in 2022. What are the loan interest rates of major banks? According to the announcement of the Central Bank: Central Bank Loan Benchmark Interest Rate: (1) Short-term loans: the adjusted interest rate within one year (including one year) is 4.35. (2) Medium and long-term

Loans: The adjusted interest rate for one to five years (including five years) is 4.75; the adjusted interest rate for more than five years is 4.90. (3) Personal housing provident fund loans: the adjusted interest rate for less than five years (including five years) is 2.75; for more than five years

The adjusted interest rate is 3.25. Regarding the loan interest rates of the six major banks: 1. Industrial and Commercial Bank of China, the loan interest rate for short-term loans (within six months, inclusive) is 4.35%; six months to one year (including one year)

)’s loan interest rate is 4.35%.

The loan interest rate for one to three years (inclusive) is 4.75%, and the loan interest rate for more than five years is 4.9%.

If it is a provident fund loan, the loan interest rate for five years or less (including five years) is 2.75%; the loan interest rate for more than five years is 3.25%.

2. Agricultural Bank of China The loan interest rate for short-term loans (within six months inclusive) of Agricultural Bank of China is 4.35%; the loan interest rate for one to five years (including five years) is 4.75%; the loan interest rate for more than five years is 4.9%

.

For personal housing provident fund loans, the interest rate for loans of five years and below is 2.75%, and the interest rate for loans of five years and above is 3.25%.

3. The central bank’s Chinese bank loan interest rate is 4.35% for less than one year (including one year), 4.75% for one to five years (including five years), and 4.9% for more than five years.

For personal housing provident fund loans, the interest rate for loans of five years and below is 2.75%, and the interest rate for loans of five years and above is 3.25%.

4. Bank of Communications The loan interest rate of Bank of Communications within one year (including one year) is 4.35%, the loan interest rate of one to five years (including five years) is 4.75%, and the loan interest rate of more than five years is 4.9%.

5. Construction Bank Construction Bank’s short-term loan interest rate (within six months inclusive) is 4.35%; loan interest rate from one to five years (inclusive) is 4.75%; loan interest rate for more than five years is 4.9%

.

6. Postal Savings Bank Postal Savings Bank, the loan interest rate (within six months inclusive) is 4.35%; the loan interest rate for one to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9

%.

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