The commercial loan interest rates of domestic banks are adjusted according to the benchmark interest rate of the Bank of China, and the adjustment ratio of different banks is different, so the loan interest rates implemented by different banks will be different. The benchmark interest rate of the Bank of China for 20 19 years is as follows:

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%.

The benchmark loan interest rate is the guiding loan interest rate issued by the People's Bank of China to commercial banks, which plays a guiding role in the deposit, loan and discount business of commercial banks.

There are many factors that affect the change of interest rate, including:

① Average profit rate. It must be higher than the interest rate. Only when the average profit rate is higher than the interest rate will you borrow money.

(2) the relationship between supply and demand of loan funds. This is a very extensive factor that affects interest rates. There is more money in society, less demand from enterprises, less loans, more deposits, lower profits and lower interest rates; On the other hand, banks have no money, but enterprises borrow a lot, and the interest rate is high at this time.

(3) The influence of national economic policies. The state should adopt two policies, one is to relax monetary policy, and the other is to tighten monetary policy. When the economy is booming, in order to prevent the economy from overheating, we should tighten monetary policy and raise interest rates; When the economy is in recession, loosen monetary policy and cut interest rates.

④ International interest rate level. Interest rate is the price of money, and international capital flow is affected by interest rate, and capital will flow to countries with relatively high interest rates.

The corporate loan interest rate of China Construction Bank is 20 19.

20 19 corporate loan interest rate of China Construction Bank:

Short-term loan: within 6 months (including 6 months), the loan interest rate is 4.35%; The loan interest rate from 6 months to 1 year (including 1 year) is 4.35%.

Long-term loan: 1 to 3 years (including 3 years), with a loan interest rate of 4.75%; 3 to 5 years (including 5 years), the loan interest rate is 4.75%; For more than 5 years, the loan interest rate is 4.90%.

Personal housing provident fund loan: within 5 years (including 5 years), the loan interest rate is 2.75%; For more than 5 years, the loan interest rate is 3.25%.

What is the general interest rate for company loans?

The interest rate of corporate loans will fluctuate on the benchmark interest rate stipulated by the People's Bank of China, and the specific floating ratio varies from bank to bank.

20 19 The commercial loan interest rate stipulated by the People's Bank of China is 4.35% within one year, 4.75% within one to five years and 4.90% over five years.

It is best for enterprises to consult different banks when lending, and then choose the bank with lower loan interest rate and suitable loan amount for enterprises. Low loan interest rate can make enterprises pay less interest and reduce the burden of repayment in the later period, which is very beneficial to the development of enterprises.

Enterprise loans need more information, including the original and copy of the business license; Original and photocopy of organization code certificate; Original and photocopy of tax certificate; Copy of the original ID card of the legal representative; Ownership structure; The audited financial statements of the company in the past three years (including complete notes) and the financial statements of the company in the past three months.

Enterprise loans generally need to prepare materials and then apply to the bank. The bank will review the materials after receiving them, and the loan can only be released after the approval. After the bank lends money, the enterprise needs to repay it on time, otherwise it will have a penalty interest and affect the credit of the enterprise.

Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation. Corporate loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stocks, foreign exchange, corporate certificates of deposit, gold, syndicated loans, bank acceptance bills, discount of bank acceptance bills, discount of commercial acceptance bills, discount of interest-bearing bills by buyers or agreements, domestic recourse factoring, and export tax rebate account custody loans.

Fixed assets loans refer to medium and long-term loans issued by banks to borrowers for investment in fixed assets projects.

According to the purpose of the loan, it is divided into capital construction loans and technical transformation loans:

1. Capital construction loan: refers to the medium and long-term loan approved by the competent department for capital construction projects. A capital construction project refers to the sum of one or several single projects according to the overall design, including new projects, expansion projects, factory relocation projects, restoration and reconstruction projects, etc.

2. Technical transformation loan: refers to the medium and long-term loan approved by the competent department for technical transformation projects. Technical transformation project refers to the renewal and transformation project that adopts new technologies, new equipment, new processes and new materials to popularize and apply scientific and technological achievements on the basis of the original production and operation of enterprises.