corporate loan interest rate?

In p>221, the corporate loan interest rate of China People's Bank is as follows: within one year (including one year), it will be 4.35%; 1-3 years (including 3 years) is 4.75%; 3-5 years (including 5 years) is 4.75%; 5-3 years (including 3 years) is 4.9%.

The actual loan interest rate will fluctuate. Please refer to the actual transaction for details.

loan interest rate refers to the interest rate charged to borrowers by banks and other financial institutions when they issue loans.

It is mainly divided into three categories:

the loan interest rate of the central bank to commercial banks;

the loan interest rate of commercial banks to customers;

interbank lending rate.

The determinants of bank loan interest are:

① Bank cost. Cost-benefit comparison is necessary for any economic activity. There are two types of bank costs: borrowing costs-prepaid interest on borrowed funds; Additional cost-the cost of normal business.

② average profit rate. Interest is the subdivision of profit, which must be less than the profit rate, and the average profit rate is the highest limit of interest.

③ the supply and demand of loan money. If supply exceeds demand, the loan interest rate will inevitably fall, and vice versa.

in addition, the loan interest rate must also take into account the factors of price change, securities income and politics.

However, some scholars believe that the highest limit of interest rate should be the marginal rate of return of funds.

The factors that restrict the interest rate are regarded as the comparison between the ratio of the profit increase after the enterprise borrows a bank loan and the loan interest rate. As long as the former is not less than the latter, enterprises may borrow money from banks.

calculation of interest

(1) The interest rate conversion formula for RMB business is (note: general deposit and loan):

1. Daily interest rate (/)= annual interest rate (%)÷36= monthly interest rate (‰)÷3

2. Monthly interest rate (‰).

1. Accumulate the account balance daily according to the actual number of days, and calculate the interest by multiplying the accumulated product by the daily interest rate. The interest calculation formula is:

interest = cumulative interest product × daily interest rate, where cumulative interest product = total daily balance.

2. The individual interest calculation method calculates the interest one by one according to the predetermined interest calculation formula: interest = principal × interest rate × loan term.

There are three details:

If the interest calculation period is a whole year (month), the interest calculation formula is:

① Interest = principal × years (months) × years (months) interest rate

Interest calculation period. The interest calculation formula is:

② Interest = principal × years (months) × years (months) interest rate principal × odd days × daily interest rate

At the same time, the bank can choose to convert the interest calculation period into actual days to calculate interest, that is, every year is 365 days (366 days in leap year), and every month is the actual days in the Gregorian calendar of that month. The interest calculation formula is:

③ Interest. However, when the actual daily interest rate is calculated, it will be calculated as 365 days a year, and the result will be slightly biased. Which formula is used specifically, the central bank gives financial institutions the right to choose independently. Therefore, the parties and financial institutions can agree on this in the contract.

(3) compound interest: compound interest means adding interest at a certain rate. According to the regulations of the central bank, if the borrower fails to repay the interest according to the time agreed in the contract, it will be charged with compound interest.

(4) penalty interest: if the lender fails to repay the bank loan within the prescribed time limit, the penalty interest that the bank will pay to the non-defaulting person according to the contract signed with the parties is called bank penalty interest.

(5) liquidated damages in loans overdue: the nature is the same as the penalty interest, and the penalty measures for the defaulting party of the contract

How much is the interest of the enterprise's bank loan

When the enterprise lends to the bank, the interest shall be calculated according to the commercial loan interest rate of the lending bank and the loan term, and the calculation formula is: interest = principal × interest rate× term.

different bank loan interest rates are different, but they all fluctuate on the central bank's benchmark interest rate. Take China Bank as an example:

1. Short-term loans: the annual interest rate within one year (inclusive) is 4.35%. The interest on a loan of 3, yuan for one year is 1,35 yuan.

2. medium and long-term loans: the annual interest rate is 4.75% for one year to five years (inclusive); The annual interest rate for more than five years is 4.9%. The interest on the loan of 3, yuan for three years is 4,275 yuan; The interest on a six-year loan is 882 yuan.

interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the capital (i.e. the loan principal) in a certain period. The loan interest can be calculated in detail by the loan interest calculator.

in civil law, interest is the legal fruit of principal.

repayment method

(1) equal repayment of principal and interest: that is, the sum of the principal and interest of the loan adopts a monthly equal repayment method. Housing provident fund loans and commercial personal housing loans of most banks have adopted this method. This way, the monthly repayment amount is the same;

(2) repayment of equal principal: that is, a repayment method in which the borrower evenly distributes the loan amount to each installment (month) throughout the repayment period and pays off the loan interest from the previous trading day to the repayment day. In this way, the monthly repayment amount decreases month by month;

(3) Pay interest on a monthly basis and repay the principal at maturity: that is, the borrower will repay the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan will bear interest on a daily basis and the interest will be repaid on a monthly basis;

(4) prepayment of part of the loan: the borrower can prepay part of the loan amount, usually 1, yuan or an integer multiple of 1, yuan. After repayment, the loan bank will issue a new repayment plan, in which the repayment amount and repayment period are changed, but the repayment method is unchanged, and the new repayment period shall not exceed the original loan period

(5) prepayment of all the loans: the borrower applies to the bank.

(6) Pay back as you borrow: the interest after borrowing is calculated on a daily basis, and the interest is calculated on a daily basis. You can settle the money in one lump sum at any time without penalty

interest rate

(I) interest rate

The ratio of interest to the total loan funds within a certain period is the expression of the loan price. That is, interest rate = interest amount/loan principal

Interest rates are divided into daily interest rate, monthly interest rate and annual interest rate.

the lender determines the loan interest rate with the lending bank according to the benchmark interest rate and interest rate floating space published by relevant laws and regulations of various countries.

(II) Benchmark interest rate

Benchmark interest rate is an interest rate with universal reference function in the financial market, and other interest rate levels or financial asset prices can be determined according to this benchmark interest rate level. Benchmark interest rate is one of the important prerequisites of interest rate marketization. Under the condition of interest rate marketization, financiers measure financing costs, investors calculate investment returns, and management regulates the macro-economy. Objectively, a universally recognized benchmark interest rate level is required for reference. Therefore, in a sense, the benchmark interest rate is the core of the formation of interest rate marketization mechanism. To put it simply, you usually deposit money in the bank and he gives you interest. The greater the benchmark interest rate, the more interest; The smaller the benchmark interest rate, the smaller the interest.

how to get the lowest bank loan interest rate

1. choose the bank with the lowest interest rate to apply for a loan

although the central bank has introduced the benchmark interest rate, the interest rates of all banks will rise above the benchmark interest rate, and the specific situation is different for each bank. Therefore, in order to get the lowest bank loan interest rate, we must "shop around" and then choose the bank with the lowest interest rate.

2. Pay attention to personal credit information and keep good credit information

The loan interest rates of banks are all calculated by computers based on personal credit information, income, work and other data. In the case that other circumstances can't be changed, we can only keep good credit information and try our best to repay credit cards on time to avoid overdue situations.

how to calculate the enterprise loan interest?

The regular short-term loan interest rate of banks is generally 6-8%, especially now that it is liberalized. If you are a big enterprise, you can go down again. The interest of loans from different companies is different, and there are many influencing factors.

Extended information:

Loan interest refers to the reward that the lender gets from the borrower for issuing monetary funds, and it is also the price that the borrower must pay for using the funds. The bank loan interest rate refers to the ratio of the interest amount to the principal amount during the loan period. To determine the interest rate of a loan contract with banks and other financial institutions as lenders, the parties can only negotiate within the upper and lower limits of the interest rate stipulated by the People's Bank of China. If the loan interest rate is high, the repayment amount of the borrower will increase after the loan term, otherwise, it will decrease. There are three factors that determine the loan interest: loan amount, loan term and loan interest rate.

loan interest settlement

rural commercial bank's small-scale farmers' loans are paid off with the profits. If it is a cross-year loan, the interest must be settled once before the end of the year. December 2th of each year is the interest settlement date.

except for small-scale farmers' loans, short-term loans (with a term of less than one year, including one year) shall bear interest at the legal loan interest rate of the corresponding grade on the date of signing the loan contract. During the loan contract period, interest will not be calculated in installments in case of interest rate adjustment.

if short-term loans are settled quarterly, the 2th day of the last month of each quarter is the settlement date; If the interest is settled on a monthly basis, the 2th of each month is the interest settlement date. The specific interest settlement method shall be determined by the borrower and the lender through consultation. The interest that cannot be paid on schedule during the loan period will be compounded quarterly or monthly according to the loan contract interest rate, and will be compounded at the default interest rate after loans overdue. When the last loan is paid off, the profit will be paid off with the principal.

the interest rate for medium and long-term loans (with a term of more than one year) shall be fixed for one year. The loan (including all the funds that should be allocated in installments within one year from the effective date of the loan contract) shall bear interest according to the legal loan interest rate of the corresponding grade on the effective date of the loan contract, and the interest rate of the next year shall be determined according to the legal loan interest rate of the corresponding grade at that time after each full year (the payment date of the first loan in installments shall prevail). Medium-and long-term loans shall be settled quarterly, and the 2th day of the last month of each quarter shall be the settlement date. For the interest that cannot be paid on schedule during the loan period, compound interest shall be calculated quarterly according to the contract interest rate, and after loans overdue, compound interest shall be calculated at the default interest rate.

What is the interest rate of bank corporate loans

(1) Legal interest rate:

The various interest rates set by the People's Bank of China approved by the State Council and authorized by the State Council are legal interest rates. The announcement and implementation of the statutory interest rate shall be the responsibility of the head office of the People's Bank of China.

(II) Benchmark interest rate:

The deposit and loan interest rate of the People's Bank of China to commercial banks and other financial institutions is the benchmark interest rate. The benchmark interest rate is determined with the head office of China People's Bank.

(3) Contract interest rate:

The interest rate of a specific loan agreed by the lender and the borrower according to the legal loan interest rate and the floating complicity range stipulated by the People's Bank of China, and stated in the loan contract.

(1) How to determine the loan interest rate:

1. Determination of the loan interest rate: The lender shall determine the interest rate of each loan according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China, and specify it in the loan contract;

2. Collection of loan interest: The lender and the borrower shall collect or pay interest on schedule in accordance with the loan contract and relevant interest-bearing regulations of the People's Bank of China. When the extension period of the loan plus the original term reaches the new interest rate grade, it will be charged at the new term grade interest rate from the date of extension. Default interest is charged for overdue loans according to regulations.

3. loan suspension, interest reduction and interest-free: except as stipulated by the State Council, no unit or individual has the right to decide suspension, interest reduction and interest-free. The Lender shall, according to the decision of the State Council, specifically handle the suspension, interest reduction and interest-free according to the scope of duties and authority.

(2) What is the loan interest?

There are three major factors that determine loan interest: loan amount, loan term and loan interest rate.

The benchmark interest rates of loans announced by the central bank are all annual interest rates, which can be calculated in two ways:

1. Regular interest: The interest settlement date is specified as the 2th of each quarter, and the interest period is from the 21st of the last quarter to the 2th of the last quarter. Calculation formula = interest accumulation × (annual loan interest rate ÷36)

2. Interest settlement one by one: the analytical method of interest settlement one by one means that the interest will be paid off with the principal. Loan interest = loan amount × loan days × (annual loan interest rate ÷36)

In addition, for loans that are overdue or not used for the purposes agreed in the contract, interest will be charged at the default interest rate from the date when the loan is overdue or not used for the purposes agreed in the contract until the principal and interest are paid off. For the interest that cannot be paid on time, compound interest shall be calculated at the penalty interest rate.

what is the annual interest rate of corporate loans?

1. The annual interest rate of corporate loans varies from bank to bank. Usually, the corporate loan interest rate is raised according to the benchmark interest rate of the central bank, and the range of increase is different for each bank. The specific situation is subject to the audit results.

2. 1. Short-term loan:

3. One year is included within one year, and the interest rate is 4.35%;

4. 2. Medium and long-term loans:

5. One to five years includes five years, and the interest rate is 4.75%;

6. The interest rate for more than five years is 4.9%;

7. Third, the interest rate of provident fund loans is 2.75% for less than five years (including five years);

8. 3.25% for more than five years.