At present, the interest rate of credit loans is generally 0.8-2.88% per month, depending on the borrower's qualification and the loan institution chosen.

For example, if the borrower has good qualifications and chooses a bank to bid, the interest rate of the credit loan is generally around 1 1% per year. If the company is selected, the interest rate of the loan is 2.2-3.5% per month. Of course, if the borrower is well qualified, has no bad credit record and has property such as real estate and stocks, he can enjoy more favorable credit loan interest rate.

In addition, the amount of credit loan interest can be calculated according to the loan amount, interest rate, term and repayment method. As far as repayment methods are concerned, matching principal and interest and average capital are two common repayment methods.

Their respective calculation methods are: average capital interest = (loan principal-accumulated principal repayment amount) monthly interest rate repayment months; The interest of equal principal and interest can be calculated by subtracting the monthly principal from the monthly payment.

2. What is the interest rate of credit loan?

The benchmark interest rate of national loans is as follows:

1, and the annual interest rate of the loan within one year is 4.35%.

2. The annual interest rate of loans from one year to five years is 4.75%.

Three or five years.

3. What is the interest rate of credit loan?

Loan interest rate (1) The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different lending banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis of the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on July 7, 20 1 1 year. Types and annual interest rates are as follows: ① Six-month (inclusive) short-term loan 6.10%; ② 6.56% from half a year to one year (inclusive); ③ One to three years (inclusive) 6.65%; ④ Three to five years (inclusive) 6.90%; ⑤ More than five years and 7.05%. (2) Take mortgage as an example: comprehensively evaluate the bank loan interest rate according to the credit status of the loan, and determine the loan interest rate level according to the credit status, collateral and national policy (whether it is the first suite or not). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is 1 of the benchmark interest rate. Since February 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. At the beginning of April, large state-owned banks began to implement preferential interest rates for the first home loan. The interest rate discount of some banks can be up to 15%. The interest rate after 15% discount for more than five years is 7.05%0.85=5.9925%.