As we all know, the threshold for bank loans is relatively high, and the possibility of rejection is relatively high. But if you have a credit card, you can use it to apply for exclusive cash installment business, which is also an indirect bank credit loan. In order to facilitate your application, here are some low-interest ones for your reference.

1, China merchants bank -e is a loan.

China Merchants Bank specializes in large cash installment business for high-quality credit card holders, which is also considered as a credit loan. E There are two ways to borrow money: "installment repayment" and "repayment at any time".

Repayment by installments: 0.95% in the third installment, 0.80% in the sixth installment, 0.75% in the 10 installment, 0.75% in the 12 installment, 0.75% in the 18 installment, 0.75% in the 24th installment, and 50% off during the activity; Repay at any time. After the application is successful, interest will be charged at the rate of 0.5 ‰ per day, compounded monthly until it is fully paid off, and no extra handling fee will be charged.

2. China CITIC Bank-New Express

It is also a service that only high-quality credit card customers can enjoy. The maximum is 300,000 yuan, and it will be repaid in three years at the longest. The interest varies according to the number of repayment periods.

1 period 1.50%, 0.82% in phase 3, 0.82% in phase 6, 0.77% in phase 12, 0.76% in phase 24 and 0.76% in phase 36 (annualized rate:14.70-2

3. Minsheng Bank-Guole installment (cash installment)

Guole staging is the exclusive quota for qualified customers. Cardholders can apply for installment repayment within this limit, and the interest varies according to the number of installments.

The handling fee rate of the third period is 0.9%/ period, which is charged at one time; 6, 9, 12, 18, 24, the handling fee rate is 0.75%/ period, which will be collected by stages.

Which bank has the lowest loan interest rate?

The level of loan interest depends on the lender's personal comprehensive qualification, loan application business type, repayment method, loan application amount, loan application period and other factors.

If the factors change, the loan interest will also change.

Let's take mortgage as an example and share with banks with lower mortgage interest rates.

The first is state-owned banks, among which the central bank has the lowest interest rate, followed by China Construction Bank, Agricultural Bank and Industrial and Commercial Bank. Among other state-owned banks, the mortgage interest rates of Postal Savings Bank, Industrial Bank and China Merchants Bank are generally lower than those of other banks. According to the data, the mortgage interest rate of the four major state-owned banks is generally around 3.85% in 202 1.

If the lender wants to apply for a credit loan, the minimum loan interest rate of 202 1 should be the central bank, and the loan interest rate is 2.6%.

Then there is ICBC's renovation loan, with equal principal and interest repayment. The longest installment is five years, and the loan interest rate is as low as 3%.

After that, the loan interest rate was relatively low, that is, joint-stock commercial banks such as Industrial Bank, Minsheng Bank and China Merchants Bank, and the monthly interest rate basically ranged from 6% to 8%.

After that, there were renovation loans from Postal Bank, China Construction Bank and Agricultural Bank, and the interest rate was also very low.

The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers 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 decisive factors of bank loan interest are:

1, bank cost. Any economic activity needs cost-benefit comparison. 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. Supply and demand of loan funds. If the supply exceeds the demand, the loan interest rate will inevitably fall, and vice versa. In addition, the loan interest rate must also consider price changes, securities returns, political factors and so on.

However, some scholars believe that the upper limit of interest rate should be the marginal rate of return of funds. The factor that restricts the interest rate is regarded as the comparison between the profit growth rate of enterprises after borrowing bank loans and the loan interest rate. As long as the former is not lower than the latter, it is possible for enterprises to borrow money from banks.

Bank loan interest rate refers to the ratio of interest amount to principal amount during the loan period. Interest rates in China are managed by the Central Bank. Bank loan interest rate refers to the benchmark interest rate set by the central bank, and the actual contract interest rate can fluctuate within a certain range on the basis of the benchmark interest rate.

The loan interest rate refers to the ratio of interest amount to principal amount during the loan period. To determine the interest rate of loan contracts with banks and other financial institutions as lenders, the parties can only negotiate within the upper and lower limits of interest rates set by the central bank. If the loan interest rate is high, the repayment amount of the borrower will increase after the loan term, otherwise it will decrease.

The loan interest rate is the main basis for the parties to the loan contract to calculate the loan interest, and the loan interest rate clause is the main clause of the loan contract.

The interest rate of loan contracts with banks and other financial institutions as lenders can only be negotiated within the upper and lower limits of interest rates stipulated by the central bank. If the loan interest rate agreed by the parties is higher than the interest rate ceiling set by the People's Bank of China, the excess will be invalid; If the interest rate agreed by the parties is lower than the lower limit set by the central bank, the lowest interest rate set by the central bank shall prevail.

In addition, if the lender violates the regulations of the central bank and collects any other fees except interest, it will be punished by the central bank.

The loan interest rate is generally higher than the deposit interest rate, and the difference between them is the main source of bank profits.

Which bank has the lowest interest on credit loans?

1, China Merchants Bank. The credit loan lightning loan launched by China Merchants Bank can get a 10% discount on Monday, and the discount rate is not lower than the annualized interest rate of 5.04%.

2. China Construction Bank. Credit loans, CCB fast loans, as low as 4.35%, but the specific interest rate needs to be differentiated according to the borrower's credit and contribution.

3. Agricultural Bank. The credit loan launched, Agricultural Bank of China Online Loan, has a maximum loan amount of 200,000, and users who sign a new one-year contract can enjoy a minimum interest rate discount of 4.35%-4.5%.

4. Postal Savings Bank provides credit loans-postal loans-up to 200,000, with an annual interest rate of 4.35%-7.05%, and adopts differentiated interest rates according to the qualifications of borrowers.

Lightning loan

Lightning loan: China Merchants Bank Lightning loan is an online loan product launched by China Merchants Bank. At present, only users who have received the invitation of China Merchants Bank lightning loan can apply for China Merchants Bank lightning loan. After the lightning loan application of China Merchants Bank is successful, the money will be distributed to the user's China Merchants Bank card within 24 hours. After the funds arrive at the CMB card, users can use the card for other operations normally, and can transfer money and withdraw cash. "Lightning Loan" is a full-line personal online loan product provided by China Merchants Bank for its retail customers. As long as the customer meets the loan credit conditions of China Merchants Bank, China Merchants Bank will take the initiative to verify the application qualification of the loan quota for the customer and notify the customer by SMS. Compared with the traditional loan business, the procedures of "lightning loan" products are simpler and more convenient. Customers can apply for loans through China Merchants Bank's mobile banking, and the China Merchants Bank system will automatically complete the loan approval and lending.

Which bank has the lowest loan interest?

It is the four major banks and local support banks.

1, four lines

Among many banks, to ask which bank has the lowest interest rate, the interest rates of the four major banks are definitely lower than those of other commercial banks. According to the latest loan interest rate of 202 1, the lowest loan interest rate of the four major banks is 4.9% for five years, while the lowest loan interest rate for less than five years can reach 4.75%.

However, it should be noted that if you want to apply for loans in the four major banks, the threshold for applying for loans is still relatively high. As state-owned enterprises, the four major banks have relatively strict qualification requirements for borrowers.

In addition to the lender's personal credit information, other qualifications also need to meet the requirements of the bank.

2. Local support banks

If the lender can't handle the mortgage in the four major banks, then he can choose some local banks with policy support. For example, a lender in Dalian can apply for a loan in bank of dalian. As a local, bank of dalian usually gives some preferential loan interest rates.

And with the support of policies, such banks will be better than other commercial banks in loan amount and loan time.

Generally speaking, when banks apply for loans, if they want to choose low-interest and reliable loans, it is definitely right to choose the four major banks.

But lenders also need to judge according to their own qualifications. The better their personal qualifications, the higher the loan amount they can apply for and the lower the loan interest rate they can apply for.

Extended data:

Interest is the use fee of money in a certain period of time, and it refers to the reward that money holders (creditors) get from borrowers (debtors) for lending money or monetary capital.

Including deposit interest, loan interest and interest generated by various bonds.

Under the capitalist system, the source of interest is the surplus value created by hired workers. The essence of interest is a special transformation form of surplus value and a part of profit.

Every enterprise has to borrow money from the bank in the process of production and operation, and how to calculate the loan interest.

Under the requirements of the new accounting standards, when borrowing short-term, take short-term loans as an example to record loan interest.

For example, an enterprise borrows money from ICBC, the amount is 654.38+0 million, the time is three months, and the interest rate is 9%. How to deal with the financial personnel? There are several specific steps:

When the loan is obtained, the borrower of the bank deposit account can be credited with 6,543.8+0,000, and the short-term loan account can be credited with 6,543.8+0,000.

Interest can be accrued or not, and there are two aspects of direct payment at maturity.

First, interest is not accrued. When it is paid directly after maturity, it can be credited to the short-term borrower, with the amount of 6,543.8+0,000, the financial expense accounting debit, with the amount of 22,500, and the bank deposit accounting credit, with the amount of 654.38+0.225 million.

Second, if the interest is accrued on a monthly basis, the financial expense account with an amount of 750,000 can be debited when the interest is accrued in the first month, and the interest payable or accrued expense account with an amount of 750,000 can be credited. Take the first month as an example, several consecutive accounting entries are the same. When the loan interest expires, you can debit the short-term loan account with the amount of 1 10,000. Debit account of interest payable or accrued expenses 22, 500 yuan, credit account of bank deposit 65,438+0,022, 500 yuan.

As the occupation cost of an enterprise, interest directly affects the economic benefits of the enterprise. In order to reduce costs and improve efficiency, enterprises should do everything possible to reduce the amount of funds, and at the same time compare the costs of various financing methods in the process of financing. If enterprises in the whole society regard saving interest expenses as a common behavior mode, then the efficiency of economic growth will certainly be improved.

Which bank has the lowest loan interest? Look at these families!

When it comes to loans, most lenders are most concerned about loan interest. Every lender wants to find a loan bank with low interest rate, suitable for their own loan conditions and convenient application. Many lenders ask, which bank has low loan interest? At present, it is these families!

Which bank has low interest on loans?

The level of loan interest depends on the lender's personal comprehensive qualification, loan application business type, repayment method, loan application amount, loan application period and other factors. If the factors change, the loan interest will also change. Let's take mortgage as an example and share with banks with lower mortgage interest rates.

The first is the state-owned banks. Among the state-owned banks, China Bank has the lowest interest rate, followed by China Construction Bank, Agricultural Bank and Industrial and Commercial Bank. Among other state-owned banks, the mortgage interest rates of Postal Savings Bank, Industrial Bank and China Merchants Bank are generally lower than those of other banks. According to the data, the mortgage interest rates of the four major state-owned banks are generally at 202 1.

If the lender wants to apply for a credit loan, the lowest loan interest rate of 202 1 should be Bank of China, and the loan interest rate is the renovation loan of ICBC, with equal repayment of principal and interest. The longest installment can reach five years, and the loan interest rate is as low as 3%.

After that, the loan interest rate was relatively low, that is, joint-stock commercial banks such as Industrial Bank, Minsheng Bank and China Merchants Bank, and the monthly interest rate basically ranged from 6% to 8%. After that, there were renovation loans from Postal Bank, China Construction Bank and Agricultural Bank, and the interest rate was also very low.

The above is the related content sharing of "which bank has low loan interest", hoping to help everyone!