1. The latest benchmark interest rate for bank loans: 4.35% for 0-6 months (including June), 4.35% for June-1 year (including 1 year) and 4.35% for 1 year -3 years (including 3 years). On this basis, there will be appropriate downward floating or upward floating.

2. Credit business is divided into mortgage loan, secured loan, pledged loan, credit loan, mortgage loan, etc. The charging standard of each business is different. Generally speaking, banks will mainly charge some handling fees, and service fees will be generated during the formalities. Some of them are not collected by banks, but by third-party agencies entrusted by banks, such as lawyers and evaluation agencies.

3. If the lender fails to repay the loan within the agreed time, it shall make compensation according to the liquidated damages agreed in this contract. The law stipulates that the liquidated damages shall not exceed 30% of the subject matter of the contract. The liquidated damages agreed in the loan contract shall not exceed 30% of the loan amount, that is,10.5 million yuan, and shall be paid in case of default. If the liquidated damages exceed 1.5 million yuan, there is no need to pay the excess, because it has exceeded the legal upper limit, and the agreement on the excess is illegal and invalid.

: 1. Mortgage loan: At present, the benchmark interest rate is 4.35% for short-term loans within 1 year, 4.75% for medium-term loans within 1 -5 years, and 4.9% for long-term loans over 5 years.

2. Credit loan: The entry threshold of credit loan is relatively high, but the interest is relatively acceptable. -The interest range of general bank credit loans is 8%- 18%.

3. Mortgage loan: The house with mortgage loan can continue to be mortgaged, and the general annual interest rate is between 1.2%- 1.8%.

202 1 lending rates of major banks:

1, Industrial and Commercial Bank of China

202 1, the interest rate of ICBC's short-term loan (within six months, including six months) is 4.35%; The loan interest rate for half a year to one year (including one year) is 4.35%. The interest rate of loans for three years (including three years) is 4.75%, and the interest rate of loans for more than five years is 4.9%. If it is a provident fund loan, the loan interest rate for less than five years (including five years) is 2.75%; The loan interest rate for more than five years is 3.25%. 2. Agricultural Bank of China

202 1, the short-term loan interest rate of Agricultural Bank (within six months, including six months) is 4.35%; -The interest rate for five-year loans (including five years) is 4.75%, and the interest rate for loans over five years is 4.9%. For individual housing provident fund loans, the loan interest rate for five years and below is 2.75%, and the loan interest rate for five years and above is 3.25%.

3. China People's Bank

202 1 China RMB bank loan interest rate is 4.35% within one year (including one year), 4.75% for one to five years (including five years), and 4.9% for loans over five years. For individual housing provident fund loans, the loan interest rate for five years and below is 2.75%, and the loan interest rate for five years and above is 3.25%.

4. Bank of Communications

202 1, the loan interest rate of Bank of Communications is 4.35% within one year (inclusive), 4.75% within five years (inclusive) and 4.9% over five years.

5. China Construction Bank

202 1 China Construction Bank's short-term loan (within six months, including six months) has an interest rate of 4.35%; -The five-year loan interest rate is 4.75%, and the five-year loan interest rate is 4.9%.

6. Postal Savings Bank

202 1, the loan interest rate of Postal Savings Bank (within six months, including six months) is 4.35%; The interest rate of loans for five years (including five years) is 4.75%, and the interest rate of loans over five years is 4.9%.