During the period of 20 13, the benchmark annual interest rate of loans announced by the People's Bank of China is as follows: 5.6% within 6 months (inclusive); 6 months to 1 year (including 1 year) 6%; 1-3 years (including 3 years) 6.15%; 3-5 years (including 5 years) 6.4%; More than 5 years, 6.55%.

2. What is the commercial loan interest rate of CCB 20 13?

Hello, it should be the benchmark interest rate now, without discount. The benchmark interest rate for more than 6 years is 6.55%.

Three. 20 13 loan benchmark interest rate table

The loan is secured by the borrower's credit. For a long time, this kind of credit loan has been the main loan method for banks in China.

If you want to know something about loans, you can look up the essay "Little Finger" in the syllabus.

Information required for loan:

1. The borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)

The above is the general process of bank loans. Different banks may have slightly different regulations and submit different materials. In order to avoid loan risks, some banks will require lenders to meet certain conditions, such as age, income level and repayment ability.

Four. 20 18 benchmark interest rate table for bank loans

Bank loan The bank's own regulations are uniformly stipulated by the People's Bank of China, so the loan interest of China Bank is based on the benchmark loan interest rate. The People's Bank of China made its first adjustment on October 24th, 2065438+2005/KLOC-0, and most banks can float within the upper and lower interest rate limits stipulated by the People's Bank of China. The specific loan interest rates of China Bank are as follows:

(Note: The People's Bank of China stipulates that the loan interest rate of each bank can float freely, so the interest to be paid by each bank depends on the contract signed between the lender and the bank. )