China Bank Personal Commercial Loan Interest Rate Inquiry:
For reference interest rate, please consult BOC outlets or call BOC customer service hotline 95566.
Tips:
1. When providing personal loan services, BOC will comprehensively consider the regulatory requirements, borrower qualifications, loan purposes, guarantee methods, business costs and other factors to reasonably determine the final loan interest rate;
2. Because the above factors are quite different among different loan products, the corresponding loan interest rates are also different;
3. All loan types have benchmark interest rate, preferential interest rate and floating interest rate. When you apply for personal loan products of BOC, the loan interest rate should be consulted in detail with the local China banking institution.
The above contents are for your reference. Please refer to the actual business regulations.
How to inquire about the mortgage interest rate table of China Bank?
China bank mortgage interest rate table query method is as follows:
1. Log in to the online banking of Bank of China and enter the user name and password.
2. Click Loan Management on the homepage of online banking of Bank of China.
3. Click on the loan inquiry.
4. Click on the details.
5. The loan details (loan amount, interest rate, loan term, loan account number, total amount to be repaid in this period) will be displayed.
Bank of China loan interest rate
List of loan interest rates of Bank of China in 2022
List of benchmark interest rates for bank loans of China in 2022
Project annual interest rate%
benchmark interest rate
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 4.90
Three. The annual interest rate of individual housing provident fund loans is%.
Less than five years (including five years) 2.75
More than five years 3.25
Note: The interest rates in this interest rate table are for reference only, and the details are subject to the notice of the business outlets.
Requirements for loan conditions of Bank of China
There are different types of bank loans in China, and the application conditions for different types of loans are also different. Taking the personal credit loan of China Bank as an example, the following conditions need to be met:
1. The borrower has a fixed residence in China and a fixed residence in a local town, and is a citizen of China with full capacity for civil conduct;
2. The borrower has a stable job and income, and has the ability to repay the loan principal and interest on schedule;
3. The borrower is law-abiding and has no illegal acts and bad credit records;
4. The borrower opens a personal settlement account in China Bank;
5. Meet other conditions of China Bank.
Reference interest rate of RMB loans of China Bank in 2022
20 15 10 will be implemented on124 October.
Annual interest rate of the project (%)
I. Short-term loans
Within six months (including six months) 4.35
Six months to one year (including one year) 4.35
Second, medium and long-term loans
One year to three years (including three years) 4.75
Three to five years (including five years) 4.75
More than five years 4.90
Three, personal housing provident fund loans
Less than five years (including five years) 2.75
More than five years 3.25
According to what method can China Bank's personal mobile phone bank inquire about personal income tax declaration and housing loan interest information?
The method of personal mobile banking of Bank of China to inquire about the interest information of personal income tax declaration housing loan;
1. loan bank: when applying for a loan from any institution of China Bank, fill in "China Bank".
2. Loan ContractNo.: You should fill in your loan account number (12 digits) for handling loan business in China Bank. You can log in to BOC Personal Mobile Banking, click Loan-My Loan-Personal Housing Loan, and check the loan account number.
3. First repayment date: click Loan-My Loan-Personal Housing Loan-Repayment Record to view. You can pull the page to the bottom, and the farthest repayment date is the first repayment date. For some long-term loans, the repayment records displayed by BOC's personal mobile banking may be incomplete. You can check the repayment plan provided by BOC when the loan is released, and the first repayment date displayed is the first repayment date. If your inquiry needs cannot be met, you can contact the lending institution to confirm the first repayment date. The contact information of the lending institution can also be viewed on the "Personal Housing Loan" page of BOC Personal Mobile Banking.
4. Term of loan (month): Click Loan-My Loan-Personal Housing Loan to view "Term/Interest Rate".
Tips:
1, the first home loan refers to the housing loan that enjoys the interest rate of the first home loan when buying a house. Because the mortgage interest rate policy has undergone many changes, there are great differences in the identification standards in different periods and regions. For your accurate declaration, please contact the lending institution to confirm whether this loan is the first housing loan.
2. For provident fund loans in pure provident fund loans or portfolio loans, please confirm the application information filling rules with the provident fund center that handles the loans.
3. BOC will provide relevant information truthfully and objectively, and whether the deduction is successful shall be subject to the confirmation of the tax authorities.
The above contents are for your reference. Please refer to the actual business regulations.
How to inquire about the loan interest rate of China People's Bank?
At present, the benchmark interest rate of personal commercial loans of China Bank is the same as that of China People's Bank. You can check the RMB loan interest rate table in the financial data-deposit and loan interest rate of our portal website. For details, please contact the official service hotline of China Bank at 95566. You can also contact the local people's bank directly.
Welcome to download China Bank Mobile Banking or pay attention to "China Bank Micro Banking" to handle business.
The above contents are for your reference. Please refer to the actual business regulations.