20 15 10 central bank 10 table of bank deposit interest rates after interest rate reduction on October 24th.

On the 23rd, the People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from 20 15124, so as to further reduce the social financing cost. Since the same day, the RMB deposit reserve ratio of financial institutions has been lowered by 0.5 percentage point to keep liquidity in the banking system reasonably abundant.

The central bank decided to reduce the benchmark interest rate of one-year loans of financial institutions by 0.25 percentage points to 4.35% from the 24th. The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to1.5%; The benchmark interest rates of other loans and deposits and the lending rates of the People's Bank of China to financial institutions are adjusted accordingly; The interest rate of individual housing provident fund loans remains unchanged.

2. The personal loan interest rate ranges from 17 to 20 years?

In recent years, the annual interest rate of commercial loans has basically remained between 6% and 8%.

3. How to calculate the loan interest of China Construction Bank?

How to calculate the loan interest of China Construction Bank Personal loan trial can choose the following methods:

1. Log in to personal online banking, and through the menu of "loan service-loan management-loan trial", select the corresponding branch to try out before lending, and return part or all of the loans.

2. Enter CCB official website, select "Quick Help-Utility-Financial Calculator-Loan Calculator" in the floating sidebar on the right, select and enter.

Tips: The trial results are for reference only. If you have already applied for a personal loan in CCB, in order to ensure the accuracy of the information, it is recommended to go to the loan handling bank for details.

Without knowing your interest rate and repayment method, the loan interest of CCB cannot be calculated for you.

Provide a mortgage calculator

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The loan interest of China Construction Bank is 20 1. You can go to China Construction Bank to apply for one-time prepayment. It is estimated that you chose the monthly repayment method, and the interest has been deducted to the previous month. So you only need to pay off the remaining principal and the interest between the last repayment date and your repayment date.

According to the latest bank loan interest rate standard, what is the loan interest of China Construction Bank?

I. Short-term loans

Within one year (including one year) 4.35%

Second, medium and long-term loans

One to five years (including five years) 4.75%

More than five years 4

Third, the interest rate of provident fund loans.

Less than five years (including five years) 2.75%

More than five years, 3.25%

According to the regulations of the People's Bank of China, at present, the loan interest rates of all banks are free to float, so all banks are different, and the interest required for loans is more or less.

China Construction Bank Loan Interest Calculator I. 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, and the theoretical calculation formula of 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 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.

How to calculate the interest on bank loans? According to the benchmark interest rate, generally 20% enterprises with no mortgage or 30-40% less mortgage will go down.

Loans can be mortgaged (real estate, etc.). ) or secured loans, the latter with a smaller loan amount.

The interest on general bank loans is calculated by compound interest on a monthly basis. There are two ways to repay by installments, one is equal principal and interest, and the other is average capital. Short-term loans can also be calculated once a year (65,438+02 months) at the current annual interest rate of 5.365,438+0% = 0.4425%.

If the loan is made through China Merchants Bank, the loan interest rate needs to be comprehensively priced in combination with the types and types of business you apply for, and the branch needs to approve the benchmark interest rate information of the loan. Please click here to learn: cmbchina. /cmbwebpubinfo/cdrate.aspx？ chnl=cdrate .

Bank loans do not calculate compound interest. Interest is calculated on a daily basis, but it is settled on a monthly or quarterly basis. The annual interest rate is only converted into a daily interest rate, and the interest of the previous year will not be included in the principal, but will be calculated at the interest rate. Loan principal x calendar days of interest-bearing period x daily interest rate = accrued interest

A: Amount.

B: Interest in the loan contract.

C: The time of your actual loan (in days, that is, the date when you actually occupied the loan on the loan issuance date and repayment date).

The final interest you have to pay =abc/365

What is the loan interest rate of 4.20 17?

In 20 17, the benchmark loan interest rate announced by the People's Bank of China was 4.35% from June to June (inclusive), 4.35% from June to 1 (inclusive) and 4.75% from June to 1-5 (inclusive). The benchmark interest rate for deposits and loans is the guiding interest rate for loans issued by the central bank (People's Bank of China) to commercial banks, and it is one of the monetary policies used by the central bank to regulate the operation of social economy and financial system. Commercial banks will formulate loan interest rate portfolios on the basis of this benchmark interest rate. Raising the benchmark interest rate means shrinking credit, reducing social mobility, raising the cost of credit and slowing down economic development. Or conversely, according to official website, the People's Bank of China, the current interest rate of RMB will be adjusted to 4.35% within one year (including one year), 4.75% within one to five years (including five years) and 4.75% after five years. On August 25th, 20 15, the People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from August 26th, 20 15, so as to further reduce the financing costs of enterprises. Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.6%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to1.75%; The benchmark interest rates for loans and deposits of other grades and the deposit and loan interest rates for individual housing provident fund shall be adjusted accordingly. At the same time, the floating upper limit of interest rates for time deposits of more than one year (excluding one year) will be liberalized, while the floating upper limit of interest rates for demand deposits and time deposits of less than one year will remain unchanged. From 2065438 to September 6, 2005, the RMB deposit reserve ratio of financial institutions will be lowered by 0.5 percentage point, so as to keep liquidity in the banking system reasonably abundant and guide the steady and moderate growth of money and credit. At the same time, in order to further enhance the ability of financial institutions to support "agriculture, rural areas and farmers" and small and micro enterprises, the reserve ratio of rural financial institutions such as county-level rural commercial banks, rural cooperative banks, rural credit cooperatives and village banks was lowered by 0.5 percentage points. Reduce the reserve ratio of financial leasing companies and auto financing companies by 3 percentage points and encourage them to play a good role in expanding consumption. On June 27th, 20 15, the People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from June 28th, 20 15, so as to further reduce the financing costs of enterprises. Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.85%; The benchmark interest rate for one-year deposits is lowered by 0.25 percentage points to 2%; The benchmark interest rates for loans and deposits of other grades and the deposit and loan interest rates for individual housing provident fund shall be adjusted accordingly. On February 28th, 20 15, the People's Bank of China announced that the benchmark interest rates for RMB loans and deposits of financial institutions would be lowered from March 28th, 20 15 to March 28th, 20 15. The central bank decided to cut the benchmark interest rate for one-year loans of financial institutions by 0.25 percentage points to 5.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to 2.5%. At the same time, combined with the interest rate marketization reform, the upper limit of the floating range of deposit interest rate of financial institutions is adjusted from 1.2 times of the benchmark deposit interest rate to 1.3 times; The benchmark deposit and loan interest rates of other grades and the deposit and loan interest rates of individual housing provident fund are adjusted accordingly. 201165438+1On October 22nd, the People's Bank of China decided to lower the benchmark interest rate of RMB deposits and loans of financial institutions from 20165438+1October 22nd. Financial institutions will be reduced by 0.00 percentage point within 6 months (including 6 months), by 0.40 percentage point from 6 months to 1 year (including 1 year), and by 0. 1 5 percentage point from1to 3 years (including 5 years). Housing provident fund deposit and loan interest rates will also be lowered simultaneously. On June 8, 20 12, the people's bank of China decided to lower the benchmark interest rate of RMB deposits and loans of financial institutions from June 8, 20 12. The benchmark interest rates of one-year deposits and loans of financial institutions were lowered by 0.25 percentage points respectively, and the deposit and loan interest rates of housing provident fund were also lowered simultaneously.