Loan interest, loan handling fee and default fee

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, 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, 1.5 million yuan, and shall be paid as promised 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 12%- 18%.

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%.

What fees do banks need to pay for mortgage loans?

Banks need to pay for housing loans:

1. Cost: 100 Yuan.

2. Notarization fee: 300-600 yuan.

3. Appraisal fee: 1.5 to three thousandths.

4, mortgage to buy a new house needs to pay deed tax.

5. Provident fund loans In some areas, in order to avoid risks, the provident fund management center charges a certain guarantee fee and transfers the loan guarantee responsibility to the guarantee company.

Interim Measures for the Administration of Personal Loans

Article 1 In order to standardize the personal loan business of banking financial institutions, strengthen the prudent management of personal loan business and promote the healthy development of personal loan business, these Measures are formulated in accordance with the Banking Supervision Law of the People's Republic of China, the People's Republic of China (PRC) Commercial Bank Law and other laws and regulations.

Article 2 People's Republic of China (PRC) and banking financial institutions established in China with the approval of China Banking Regulatory Commission (hereinafter referred to as lenders) shall abide by these Measures when engaging in personal loan business.

Article 3 The term "personal loans" as mentioned in these Measures refers to loans in local and foreign currencies issued by lenders to qualified natural persons for personal consumption, production and operation.

Article 4 Personal loans shall follow the principles of compliance with laws and regulations, prudent operation, equality, voluntariness, fairness and good faith.

Article 5 Lenders shall establish an effective whole-process management mechanism for personal loans, formulate loan management systems and operating procedures for each loan type, define the corresponding loan objects and scope, implement differentiated risk management, and establish an assessment and accountability mechanism for each operation link of loans.

Extended data:

Information required for mortgage loan:

1. Letter of Intent for House Purchase signed by the Borrower and the Seller, receipt of over 30% house payment or other supporting documents.

2. Valid identity documents of the borrower's husband and wife, proof of marital status, household registration book, income certificate and half-year bank account.

3. Proof that the property owner is willing to mortgage the property.

4. Other materials deemed necessary by the lending bank.

5. If the borrower is a legal person, it shall carry a valid business license of enterprise legal person or business license of enterprise legal person, identity certificate of legal representative, financial statements and loan card. If it is a joint-stock enterprise, it is also necessary to provide the articles of association and the mortgage certificate of the board of directors.