1. Short-term loan: the loan interest rate within one year (inclusive) is 4.35%.
2. Medium-and long-term loans: the loan interest rate for one year to five years (inclusive) is 4.75%; The interest rate for loans over five years is 4.9%.
3. Personal housing provident fund loan: the loan interest rate for five years and below is 2.75%; The interest rate for loans over five years is 3.25%.
Specifically, the loan contract interest rate of rural commercial banks shall prevail.
As the basic calculation method of bank deposit interest and loan interest. The interest calculation formula has played an important role in the daily settlement of banks and the daily life of ordinary people, and its role will become more and more important.
Interest rate, also known as interest rate, is the ratio of interest to principal on a certain date, which is generally divided into annual interest rate, monthly interest rate and daily interest rate. The annual interest rate is expressed as a percentage, the monthly interest rate is expressed as one thousandth, and the daily interest rate is expressed as one thousandth.
If the annual interest rate of 9% is written as 9%, that is to say, every 1,000 yuan deposit will receive regular annual interest in 90 yuan, and the monthly interest rate of 6% is written as 6‰, that is, the monthly interest rate of every 1,000 yuan deposit is written as 6 yuan, and the daily interest rate of 1% 5 cents is written as 0. 15‰, that is, the daily interest rate of every 1,000 yuan deposit is1. Monthly interest rate ÷30= daily interest rate; Annual interest rate ÷360= daily interest rate.
The interest calculation formula is mainly divided into the following four situations. First, the basic formula for calculating interest. The basic formula for calculating the interest of savings deposits is: interest = principal × deposit term × interest rate.
The second is the conversion of interest rate, in which the conversion relationship among annual interest rate, monthly interest rate and daily interest rate is: annual interest rate = monthly interest rate × 12 (month) = daily interest rate ×360 (day); Monthly interest rate = annual interest rate ÷ 12 (month) = daily interest rate ×30 (days); Daily interest rate = annual interest rate ÷360 (days) = monthly interest rate ÷30 (days). In addition, the use of interest rates should be consistent with the deposit period.
Third, the starting point of the interest calculation formula.
1, the starting point of savings deposit interest is RMB, and interest is not paid for cents below RMB;
2. The interest amount shall be calculated to one decimal place and rounded off when actually paid;
3. Except for the annual settlement of current savings, the interest can be transferred to the principal. Regardless of the deposit term, the interest of other savings deposits will be paid off with the principal at the time of withdrawal, excluding compound interest.
Fourth, the calculation of deposit term in the interest calculation formula.
1, and the method of counting the head and not counting the tail is adopted for the calculation of the storage period;
2, regardless of the big month, small month, flat month, leap month, every month is calculated as 30 days, and the whole year is calculated as 360 days;
3. The maturity date of all kinds of deposits shall be calculated on an annual, monthly and daily basis. If the account opening date is the missing date of the expiration month, the expiration date should be the last day of the expiration month.