1. Short-term commercial loans: 4.35% within one year (including one year);
2. Medium and long-term commercial loans: 4.75% for one to five years (including five years); More than five years, 4.90%;
3. Personal housing provident fund loan: 2.75% for less than five years (including five years); More than five years, 3.25%.
The above is the relevant content of the loan interest rate list of 202 1.
Can I borrow from other banks after the loan?
After the loan, you can also borrow from other banks, but whether the loan will be successful depends on the bank regulations and the personal qualifications of users. If the loan is not overdue, the success rate will be higher if users apply for loans in other banks. If it is overdue, other banks will reject the user's loan application. Whether it can be refinanced depends on users' repayment ability, cash flow, assets and liabilities, as well as products and market conditions. Users can apply for loans if they have rich personal assets, strong repayment ability and no problem with their reputation. However, it should be noted that if the user's previous loan is a provident fund loan, he can no longer apply for a provident fund house purchase, but he can apply for a commercial loan or a consumer loan.
What are the requirements for bank loans?
1. The applicant is between 18-65 years old. Some loans stipulate that applicants must be at least 22 years old and need a reasonable and effective second-generation ID card;
2. Applicants need to have stable labor income and proof, and have the ability to repay loans and interest;
3. The applicant's personal credit information should be excellent, and there is no overdue situation in the past five years;
4. Other standards required by the bank.
In addition to meeting the above basic standards, there will be other special provisions for different types of loans. For example, a loan to buy a house requires the borrower to provide a 30% down payment. If you apply for a relatively large personal loan, the borrower also needs to meet the collateral standards stipulated by the bank, and some also stipulate that the borrower needs to provide a guarantor recognized by the bank to bear joint liability.
If the loan is not approved, the bank information will not be refunded.
If the loan is not approved, the bank will return the loan materials to the user. After restoring the loan information, users can choose to submit a loan application again or apply for a loan in another bank. When the bank returns the loan materials, it will generally tell the reason why the loan is not approved, and the user can solve it in a targeted manner. Then, if the loan application is submitted again, it may be approved. If the problem cannot be solved, the result of resubmitting the loan application is the same. This paper mainly writes the knowledge points of 202 1 loan interest rate table, and the content is for reference only.