What should you pay attention to when dealing with bank loans?
Many friends don't know the process when dealing with loans, which actually delays the process. After handling the loan, it is necessary to return the interest on time. What are the bank lending skills? Seeking the lowest loan fund by finding the floating interest rate: because of the different pricing strategies of financial products, the same loan type has different interest rates in different banks. In addition to choosing the interest rate level, other factors should be considered, such as whether to pay the handling fee for borrowing and whether to evaluate the pawn, which may lead to the addition of funds. The identification of different repayment methods can reach 1, yuan: banks require a variety of flexible and diverse methods for the repayment of loans, and the two commonly used methods are "equal monthly repayment" and "equal monthly principal repayment". With different repayment methods, the identification of capital expenditure can reach ten thousand yuan. Large repayment eliminates the total amount of loans and saves interest; Try to use the slender requirements related to lending to further eliminate borrowing funds.
what is the bank lending rate now? Bank lending rate refers to the share of interest amount and principal amount during the lending period. The national interest rate is handled by the People's Bank of China in the same way. The bank lending rate refers to the benchmark interest rate drawn up by the People's Bank of China, and the actual contract interest rate can fluctuate within a certain scale from the benchmark interest rate. Judging the interest rate of a loan contract with banks and other financial arrangements as lenders, the parties can only negotiate within the scale of the upper and lower interest rates required by the People's Bank of China. If the loan interest rate is high, the repayment amount of the borrower will increase after the loan term, otherwise, it will decrease. The accounting formula of bank lending interest is mainly divided into the following situations: mainly, the fundamental formula of accounting interest, and the fundamental formula of accounting interest of savings deposits is: interest = principal multiplied by deposit period multiplied by interest rate; Second, the conversion of interest rate, the conversion relationship among intermediate annual interest rate, monthly interest rate and daily interest rate is: annual interest rate = monthly interest rate multiplied by December = daily interest rate multiplied by 36 days; Monthly interest rate = annual interest rate divided by December = daily interest rate multiplied by 3 days; Daily interest rate = annual interest rate except 36 days = monthly interest rate except 3 days. In addition, the use of interest rate should be the same as the deposit period; The loan interest rate is the primary basis for the parties to calculate the loan interest on both sides of the loan contract, and the loan interest rate clause is the primary clause of the loan contract. To determine the interest rate of a loan contract with banks and other financial arrangements as lenders, the parties can only negotiate within the upper and lower limits of interest rates required by the People's Bank of China. Assuming that the loan interest rate agreed by the parties is higher than the upper limit of the interest rate required by the People's Bank of China, the excess is invalid; Assuming that the interest rate agreed by the parties is lower than the lower limit of the interest rate required by the People's Bank of China, the lowest interest rate required by the People's Bank of China shall prevail. In addition, if the borrower violates the requirements of the People's Bank of China and charges any other fees besides interest, it shall be punished by the People's Bank of China.
What are the national regulations on loan interest rate
Because banks in some regions have closed personal mortgage affairs. In Chengdu, Industrial Bank and Minsheng Bank have stopped personal mortgage affairs. In Wuhan, the State Bank, Minsheng Bank and China Everbright Bank all stopped personal mortgage affairs. Although China Construction Bank, Bank of Communications and China Everbright Bank are still handling mortgage affairs, they only support the plea of cooperative real estate. The lack of bank funds is the main reason, and the bank suspends mortgage loans. The lack of funds is the main reason. Regarding the reasons for the suspension of mortgage loans, the bank indicated that the primary reason was the increasing reserve ratio of deposits and the lack of funds. It was not that I didn't want to do it, but that I really didn't have the money to do it, said the manager of the personal loan department of a branch of a state-owned bank in Wuhan. In the first-tier cities in the future, it is worth noting that some banks that can't handle mortgage affairs can still do pawn lending affairs, which illustrates that although the lack of funds is the reason for banks to stop mortgage affairs, the regulation of the property market has also made banks more cautious in issuing mortgages. Although the second-tier cities are still the first to suspend mortgage business, with the deepening of regulation, the failure to eliminate first-tier cities such as Beijing and Shanghai in the future also shows the phenomenon of suspension of mortgage business. In these first-tier cities, housing prices are high, and few people can buy a house in full. Once the support of bank mortgage is lost, it will definitely have a huge impact on real estate matters. When dealing with loans, you should pay attention to choosing the repayment method that suits you, and deal with it according to your own talents and needs to prevent your rights and interests from being affected. The above is the relevant information about the current bank lending rate and the relevant introduction of bank lending skills. You can know more about the lending process.
For the loan interest rate skills, which issues are concerned by the owners, Xiaobian has compiled relevant materials for your reference. If you encounter relevant questions in buying a house, you can find the answers from the article.