When it comes to loans, most lenders are most concerned about loan interest. Every lender wants to find a loan bank with low interest rate, which is suitable for his loan conditions and convenient to apply. Many lenders have asked, which bank has low loan interest? At present, it is these families!
Which bank has low interest on loans?
The level of loan interest depends on the lender's comprehensive personal qualifications, loan application business type, repayment method, loan application amount, loan application period and other factors. If the factors change, the loan interest will also change. Let's take mortgage as an example and share with banks with lower mortgage interest rates.
The first is the state-owned banks. Among the state-owned banks, China Bank has the lowest interest rate, followed by China Construction Bank, Agricultural Bank and Industrial and Commercial Bank. Among other state-owned banks, the mortgage interest rates of Postal Savings Bank, Industrial Bank and China Merchants Bank are generally lower than those of other banks. The data shows that in 20021year, the mortgage interest rates of the four major state-owned banks were generally.
If the lender wants to apply for a credit loan, the lowest loan interest rate in 202 1 should be China Bank, and the loan interest rate is the renovation loan of ICBC, with equal principal and interest repayment. The installment period can be up to five years, and the loan interest rate is as low as 3%.
After that, the loan interest rate was relatively low, that is, joint-stock commercial banks such as Industrial Bank, Minsheng Bank and China Merchants Bank, and the monthly interest rate was basically between 6% and 8%. After that, there were renovation loans from Postal Bank, China Construction Bank and Agricultural Bank, and the interest rate was also very low.
The above is the related content sharing of "which bank has low loan interest", hoping to help everyone!
Which bank has the lowest interest on credit loans?
The interest rates of credit loans in large banks are almost the same, and the interest rates will be different according to individual circumstances. The following banks with lower credit loan interest rates can be used for reference:
1, CCB Express Loan: CCB Express Loan is also a personal credit loan product with low interest rate, which was as low as 4.35% before, but the specific interest rate is differentiated by the system according to the borrower's credit and contribution.
2. Bank of China: BOC E-loan credit loan, with an annual interest rate ceiling of 4.35%, and differentiated pricing according to the specific situation of the lender;
3. Agricultural Bank of China: Netjet Credit Loan. The annual interest rate of the newly signed 1 year loan is at least 4.35%~4.5%. Interest rates are different in different regions, and according to the qualifications of lenders, interest rates will be different.
4. Postal savings loan-exclusive customers: The initial loan amount of personal credit loan issued by Postal Savings Bank is 65,438 yuan+0,000 yuan, with a maximum of 200,000 yuan, and the annual interest rate is 4.35%-7.05%. Differentiated interest rates shall be adopted according to the qualifications of borrowers, which shall be subject to the interface display at the time of application.
Extended data:
1. The current benchmark interest rate for RMB loans is:
1, short-term loans: within 6 months, the interest rate is 4.35, and the interest rate from 6 months to 1 year (including one year) is 4.35;
2. Medium and long-term loans: one to three years (including three years), with an interest rate of 4.75; The interest rate for three to five years (including five years) is 4.75; The interest rate for more than five years is 4.90;
Personal credit consumption loans can rise by a certain percentage on the basis of the benchmark interest rate.
For credit loans, the interest rate is very large, usually rising by 20% or more. There are also great differences in credit loan interest rates between some large banks and some joint-stock commercial banks. The annual interest rate of credit loans of some big banks can be controlled between 5% and 7%, while the interest rate of credit loans of joint-stock commercial banks is likely to be higher than 10%. The former has lower interest rate, but higher requirements for credit and qualification. The requirements of the latter will be lower, but they are still much stricter than those of non-bank lending institutions.
Which bank has low loan interest now?
It is the four major banks and local support banks.
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.
Which bank has low interest on loans?
It is the four major banks and local support banks.
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, and the lowest loan interest rate below five years can reach 4.75%.
However, it should be noted that if you want to apply for loans from 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 qualification requirements for loan applicants.
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 with policy support. For example, a lender in Dalian can apply for a loan in bank of dalian. As a local, bank of dalian usually gives some preferential loan interest rates.
Moreover, with policy support, such banks will be superior to other commercial banks in terms of loan amount and lending time.
Generally speaking, when you apply for a loan from a bank, if you want to choose a low and reliable interest rate, it is definitely correct to choose the four major banks.
But 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 information:
Interest is the use fee of currency in a certain period of time, which refers to the reward that the currency holder (creditor) gets from the borrower (debtor) for lending currency 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 needs 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, taking short-term loans as an example, loan interest should be recorded.
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%. What should financial personnel do? There are several specific steps:
When you get a loan, you can debit the amount of 6.5438+0 million to the bank deposit account and credit the amount of 6.5438+0 million to the short-term loan account.
When interest is generated, it may or may not be calculated. There are two aspects to direct payment.
First of all, if interest is excluded, short-term borrowers with an amount of 6,543,800+0,000 can be credited to a financial expense account with an amount of 22,500 and a bank deposit account with an amount of 6,543,800+0,225.
Second, if you want to calculate interest monthly, you can debit the accrued interest of the first month to the financial expense account, amounting to 750,000 yuan, and credit 750,000 yuan to the interest payable or accrued expense account. Take the first month as an example, several consecutive accounting entries are the same. When you want to repay the loan interest due, you can debit the short-term loan account with the amount of 6,543,800 yuan, and record it as interest payable or accrued interest.
As the occupation cost of enterprises, it directly affects the economic benefits of enterprises. In order to reduce costs and improve efficiency, enterprises should do everything possible to reduce the amount of funds, and at the same time compare the costs of various financing methods in the financing process. 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.