Introduction of the top ten bank loan products:
I. Industrial and Commercial Bank of China
Product name: Rong e-loan
Interest rate: the annual interest rate is about 7.2%, and it may be lower if there are preferential activities.
Limit: 600,000-800,000, which is basically equal to the credit card limit.
Duration: generally 2 years, up to 5 years. Support four repayment methods: equal principal and interest, average capital, regular interest payment, and one-time principal and interest payment, and support early repayment.
The second is the Construction Bank.
Product name: quick and easy loan
Interest rate: about 6% per year.
Amount: up to 300,000 yuan.
Duration: 1 year. One-time repayment of principal and interest.
Evaluation: It is necessary to have business dealings with CCB before granting credit, mortgage, wealth management and provident fund.
Three. agricultural bank
Product Name: Netjet Loan
Interest rate: the annual interest rate is about 5%.
Amount: up to 300,000 yuan.
Duration: 1 year. One-time repayment of principal and interest.
Evaluation: The application threshold is relatively high, but there are also opportunities for quota allocation. Small partners who have business dealings with ABC can try it.
4. Shanghai Pudong Development Bank
Product name: integral loan
Interest rate: annualized 6.3%.
Amount: up to 300,000 yuan.
Duration: 5 years. For those who have lived for more than 1 year, they can only choose the repayment method of monthly average capital or equal principal and interest.
Evaluation: However, only provident fund loans can be used, and not all cities are open.
Verb (short for verb) Bank of China.
Product name: E loan
Interest rate: about 6% per year.
Amount: up to 300,000 yuan.
Duration: 1 year. Pay interest on a monthly basis and repay the principal when due.
Evaluation: State-owned banks are hot products with high application threshold.
6. China CITIC Bank
Product name: Yuanmengjin
Interest rate: 9% per annum.
Amount: up to 300,000 yuan.
Duration: up to 3 years. Monthly repayment, equal principal and interest.
Evaluation: The threshold is not high. CITIC Bank can basically apply for all credit cards, and some of them will occupy the credit card quota.
7. China CITIC Bank
Product name: New Express
Interest rate: the normal annualized rate is about 9%, and it will drop to about 6.8% during the preferential activities.
Amount: up to 300,000 yuan.
Duration: up to 3 years. Monthly repayment, equal principal and interest.
Evaluation: Some will occupy the credit card limit.
8. China Everbright Bank
Product name: provident fund loan
Interest rate: about 6% per year.
Amount: up to 300,000 yuan.
Duration: up to 3 years. There are two repayment methods: matching principal and interest and paying interest once a month.
Evaluation: To have a provident fund, not all cities are open.
Nine, the postal bank
Product name: mail your loan.
Interest rate: annualized 14%.
Amount: up to 200,000 yuan.
Duration: 2 years at most. Equal principal and interest.
X. China Merchants Bank
Product name: E Zhaodai
Interest rate: annualized 18%, with a daily interest of 5,000 yuan.
Amount: up to 300,000 yuan. This restriction is not recoverable.
Duration: 2 years at most. Equal principal and interest.
Loan with the lowest interest rate
The interest calculation formula of the loan is as follows:
1. If interest is calculated, the calculation formula of loan interest is: loan interest = principal interest rate, and loan term.
2. If the interest rate is calculated, the calculation formula of the loan interest rate is: loan interest rate = principal/interest rate loan period.
In fact, the execution interest rate of each bank will fluctuate. Please refer to the actual transaction interest rate for details.
2. Which bank has low interest on commercial loans?
Banks with lower commercial loan interest rates include China Bank, China Construction Bank, Agricultural Bank and China Industrial and Commercial Bank.
202 1 the latest data shows that the mortgage interest rate of the four major state-owned banks is generally around 3.85%. In terms of credit loans, the lowest loan interest rate is China Bank, and the current loan interest rate is 2.6%. After that, ICBC repays the principal and interest by equal amount, which can be divided into five years at the longest, and the loan interest rate is as low as 3%.
Note: the level of loan interest is also related to the lender's personal comprehensive qualification, the type of loan business applied for, the loan amount, the repayment method and the loan term.
Second, how to get the lowest loan interest?
1, amount ≤3W:
This kind of general advice is to use credit card to cash out, use Alipay's flowers, borrow money and so on. Used for loans, and the general interest rate is relatively low, easy to use.
2. Amount ≤ 10W:
The secured loan is good. Looking for a guarantor, maybe in my hometown rural credit cooperative. Require credit companies to work for more than half a year, or have a business license for one year, but the self-employed who just started can't get it.
3. Amount ≤50W
500 thousand, depending on how many years you want to pay back. It can be one year, two years, three years or five years. If there is collateral, it is recommended to apply for a mortgage loan, and the interest rate of the mortgage loan will be lower than that of the credit loan. According to the purpose of the loan, it can be regarded as a consumer loan, and the interest rate rises by more than 30% on the basis of the benchmark interest rate. Of course, if you have acquaintances, you can have fewer. The repayment method can be equal to the principal and interest, with monthly interest paid every year or at maturity. Banks generally like the repayment method of equal principal and interest. In view of the actual situation, it is recommended to apply for mortgage consumer loans, and the interest rate and repayment method can be negotiated with the bank.
4. Amount ≥ 100 W
This is not easy to borrow
Are there any credit union loans with lower interest rates?
The interest rates of credit loans in large banks are almost the same, and the interest rates will be different according to individual circumstances. The following banks with lower credit loan interest rates can be used for reference:
1, CCB Express Loan: CCB Express Loan is also a personal credit loan product with low interest rate, which was as low as 4.35% before, but the specific interest rate is differentiated by the system according to the borrower's credit and contribution.
2. Bank of China: BOC E-loan credit loan, with an annual interest rate ceiling of 4.35%, and differentiated pricing according to the specific situation of the lender;
3. Agricultural Bank of China: Netjet Credit Loan. The annual interest rate of the newly signed 1 year loan is at least 4.35%~4.5%. Interest rates are different in different regions, and according to the qualifications of lenders, interest rates will be different.
4. Postal savings loan-exclusive customers: The initial loan amount of personal credit loan issued by Postal Savings Bank is 65,438 yuan+0,000 yuan, with a maximum of 200,000 yuan, and the annual interest rate is 4.35%-7.05%. Differentiated interest rates shall be adopted according to the qualifications of borrowers, which shall be subject to the interface display at the time of application.
1. The current benchmark interest rate for RMB loans is:
1, short-term loans: within 6 months, the interest rate is 4.35, and the interest rate from 6 months to 1 year (including one year) is 4.35;
2. Medium and long-term loans: one to three years (including three years), with an interest rate of 4.75; The interest rate for three to five years (including five years) is 4.75; The interest rate for more than five years is 4.90;
Personal credit consumption loans can rise by a certain percentage on the basis of the benchmark interest rate.
For credit loans, the interest rate is very large, usually rising by 20% or more. There are also great differences in credit loan interest rates between some large banks and some joint-stock commercial banks. The annual interest rate of credit loans of some big banks can be controlled between 5% and 7%, while the interest rate of credit loans of joint-stock commercial banks is likely to be higher than 10%. The former has lower interest rate, but higher requirements for credit and qualification. The requirements of the latter will be lower, but they are still much stricter than those of non-bank lending institutions.
Second, the calculation formula of credit loan interest rate
How to calculate interest is related to the repayment method chosen. There are two common repayment methods: equal principal and interest and average capital. The calculation formula is as follows:
1, equal principal and interest:
Monthly repayment amount = loan principal × [monthly interest rate× (1monthly interest rate )× repayment months] PIDE {[(1monthly interest rate) repayment months]-1}
Total interest = monthly repayment amount-loan months-principal
2. Average capital:
Monthly repayment amount = (loan principal/repayment months) (principal-accumulated repaid principal) × monthly interest rate.
Total interest = monthly interest rate of loan principal (loan months /20.5)
Three, for credit loans must meet the following conditions:
1. The applicant is at least 18 years old and is a natural person with full capacity for civil conduct;
2. The applicant has a fixed residence and is a permanent residence in the local town;
3. The applicant has no illegal acts and no bad records in personal credit investigation;
4. The applicant has a legitimate occupation and a stable source of income, and has the ability to repay the principal and interest of the loan on schedule;
5. The applicant can provide relevant property certificates.
The lowest annual interest rate loan platform
Minimum suggestions for platform benefits:
1. Micro-loan: Micro-loan is the first Internet micro-credit product of Tencent Weizhong Bank, with a loan amount of 200,000-200,000, a daily interest rate of 0.05% and an annualized interest rate of about 18%.
2. Lending: Lending is a loan launched by Alipay, as long as the sesame score is above 600. According to different scores, the loan amount that users can apply for ranges from 1000-50000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.
3. Money flower: Money flower is a small loan product under Baidu Finance. Users can search for "money flower" in the mobile app store to find it. After downloading, users will find that there are many loan products that can be used for money, such as short-term loans with low thresholds, and the lowest daily interest rate is 0.02%.
4.E-point loan: E-point loan is a micro-credit under Yin Bei Consumer Finance. At present, the maximum credit line that users can apply for is 50,000 yuan, and the minimum loan is 1 10,000 yuan. The minimum annual interest rate of e-point loan is 10.8%, which is purely online application and the quota can be recycled. After the user submits the loan application, the loan can be completed in 5 minutes at the earliest.
5。 China Merchants Bank's lightning loan: Lightning loan is a mobile phone loan software launched by China Merchants Bank. For high-quality customers of China Merchants Bank, the quota is 0 0. 1-50/-500,000, and the daily interest rate is 0.042%.
Among them, the daily interest of micro-loans, borrowing loans and China Merchants Bank lightning loans is less than five ten thousandths! If you need to apply for a loan, you can first check whether there is any charge, and then measure which loan platform is more in line with your requirements.
What's the minimum interest on a bank loan?
The loan interest rates of all commercial banks are adjusted on the basis of the central bank's benchmark interest rate. The benchmark interest rate for commercial loans within 1 year is at least 4.35%, the annual interest rate for loans of 654.38 million yuan is 4,350 yuan, and the benchmark interest rate for provident fund loans within 5 years is at least 2.75%. The benchmark interest rate for central bank loans is as follows:
1, commercial loan: 1 The loan interest rate during the year is 4.35%; /kloc-the loan interest rate of 0/to 5 years is 4.75%; The interest rate for loans with a term of more than five years is 4.9%.
2. Provident fund loan: the loan interest rate is 2.75% within 5 years; The interest rate for loans over five years is 3.25%.