Lending rate 4 times in a row down after 5 years of commercial loan interest rate down to 6.12 percent, and more than 5 years of fund lending rate down to 4.05 percent, lower than the rate of small business loans. As the prime rate commercial loans in the benchmark interest rate to float downward on the basis of 30%, with the September 16 interest rate compared to more than 5 years Provident Fund lending rate commercial loans and the prime rate before the gap from 1.4355 to 0.234 percentage points down sharply Percentage points. For the first time on the purchase of housing loans from ordinary people, to apply for commercial loans is not a burden than the number of re-apply for the loan fund, 65 million 30-year loan, for example, if matching means to repay principal and interest, on commercial loans For to 3210.56 yuan, the loan fund for the month to 3121.97 yuan, only the former than the latter more than 88.59 yuan.

In addition, more than the previous 5-year lending rate and deposit rate inversion phenomenon of change, whether it is provident fund loans, or loans to the commercial prime rate is now higher than deposit rates. The industry said that the inversion phenomenon of the deposit and lending interest rate changes, to ensure that the bank's profit margin will help to promote the bank in line with the preferential terms of lending active buyers. (Reporter FANG Li-ping)