The loan interest rate of China Construction Bank 202 1 can be divided into short-term loan interest rate, medium-and long-term loan interest rate and individual housing provident fund loan interest rate. The specific analysis is as follows:

1. Short-term loan: the loan interest rate within one year (including 1 year) is 4.35%.

2. Medium and long-term loans: the loan interest rate for one year to five years (including five years) is 4.75%; The loan interest rate for more than five years is 4.9%.

3. Personal housing provident fund loan: the loan interest rate for less than five years (including five years) is 2.75%; The loan interest rate for more than five years is 3.25%.

The interest rate of each branch of the bank may be different. Please refer to the actual transaction interest rate for details.

Second, how to calculate the interest rate of commercial loans?

Loan calculator provided by commercial banks

This kind of calculator is characterized by relying on the bank website platform and high credibility; The disadvantage is that the calculation conditions are simple, mainly theoretical calculation, regardless of reality. For example, the calculation formula of daily interest rate is generally: daily interest rate = annual interest rate/360; The calculator provided by the bank is generally calculated according to 365, which is different from the actual situation.

Second, the loan calculator provided by the real estate website

This kind of loan calculator is generally based on the loan calculator on the bank website, with little or no change, and its shortcomings are similar to the previous article.

Third, Taobao customer loan calculator

This calculator is a fully customized parameterized calculator, and the calculation results are completely consistent with the actual situation, providing more real and powerful data support for your loan decision.

3.202/kloc-what is the commercial loan interest rate of CCB in June?

The commercial loan interest rate of CCB is generally divided into the following two interest rates:

Short-term loans: the loan interest rate is 4.35% within 6 months (inclusive) and 4.35% from June to 1 year (inclusive).

Medium and long-term loans: 1-3 years (including 3 years) 4,5-30 years (including 30 years) 4.75%.

Banks should take this as the basis.

Four. The commercial loan interest rate of CCB is 202 1

Commercial loan interest rate: 1, with the loan term within one year (including one year) and the interest rate of 4.35%; 2. The loan term is one to five years (including five years) and the interest rate is 4.75%; 3. The loan term is more than five years, and the interest rate is 4.90%. : 1 .2021floating interest rate in June1has to be re-priced. With the five-year LPR interest rate lowered by 15 basis points and then changed to 4.65%, the actual floating loan interest rate will also reduce the loan interest. For example, if the loan is 100 yuan, according to the LPR of 20 19 and 12, 4.8 yuan's interest will be needed for one year; However, after the LPR is lowered to 4.65%, the annual interest rate of 100 yuan loan is 4.65 yuan. 2. According to the notice of the central bank, the mortgage interest rate is converted into LPR floating interest rate =LPR fixed interest rate spread, and fixed interest rate spread = original contract execution interest rate level-LPR 2065438+released in February 2009, and the value added is fixed during the remaining term of the contract. 3. After conversion to LPR, the fixed spread is 0.59%, that is, the difference between 5.39% and the interest rate of 5-year LPR 20 19 12 of 4.8%. On June 5438+February 2, 20201,the five-year LPR interest rate was 4.65%, so the latest mortgage interest rate on June 20021was 4.65%0.59%=5.24%, which was lower than the previous 5.39% and 20265436 4/kloc-0. Generally, banks calculate the interest of the house payment on the basis of 30 days per month, but this year's mortgage of 1 is based on the principle of interest payment by installments. Assume that the repayment date of the lender is 10 day per month. Since 65438+1 October1is a re-pricing date, 65438+February1/kloc-0+February 3 1 is calculated at the previous interest rate, and 65438+1. However, if interest is calculated on a daily basis after segmentation, the number of interest days is 3 1 day, which is 1 day more than the normal month, so the monthly payment 1 will be higher than the previous repayment amount. By February, lenders will be able to enjoy discounts brought by the floating interest rate of LPR.