1 Four Big Banks

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 requirements on the qualifications of borrowers.

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

2. Local support banks

If the lender can't apply for mortgage loans in the four major banks, then he can choose some local banks supported by policies. For example, a lender in Dalian can apply for a loan in bank of dalian. As a local, bank of dalian generally gives some preferential loan interest rates.

And with the support of policies, such banks will be superior to other commercial banks in terms of loan amount and loan time.

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

However, 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 making short-term loans, 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 RMB 6.5438+0 million, and the short-term loan account can be credited with RMB 6.5438+0 million.

When interest is generated, it can be accrued or not, and there are two aspects of direct payment at maturity.

First, if interest is not accrued, you can debit the short-term loan with the amount of 6,543,800+when it is paid directly after maturity, debit the financial expense accounting with the amount of 22,500, and credit it to the bank deposit accounting with the amount of 6,543,800+0,250.

Second, if the interest is accrued on a monthly basis, the financial expense account with an amount of 750,000 can be debited and credited to the interest payable or accrued expense account with an amount of 750,000 when the interest is accrued in the first month. Taking 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. The debit account of interest payable or accrued expenses is 22,500 yuan, and the credit account of bank deposit is1022,500 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 capital, and at the same time compare the costs of various financing methods in the process of financing. If the enterprises in the whole society regard saving interest expenses as a common behavior mode, then the efficiency of economic growth will definitely improve.