The interest rates of credit loans in big banks are almost the same, and there will be different interest rates according to individual circumstances. The following banks with low credit loan interest rates are for reference:

1, CCB Express Loan: CCB Express Loan is also a personal credit loan product with a 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: China Bank E-loan credit loan, with an annual interest rate ceiling of 4.35%, and differentiated pricing is implemented 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%. The interest rates in different regions are different, and the pricing is different according to the qualifications of lenders.

4. Postal savings loans-privileged customers: personal credit loans issued by Postal Savings Bank, starting from 65,438+0,000 yuan, up to 200,000 yuan, with an annual interest rate of 4.35%-7.05%. Differentiated interest rates shall be adopted according to the qualifications of borrowers, subject to the interface display at the time of application.

1. At present, the benchmark interest rate for RMB loans is:

1, short-term loans: within 6 months, the interest rate is 4.35, and the interest rate is 4.35 from 6 months to 1 year (including one year);

2. Medium and long-term loans: one to three years (including three years), with an interest rate of 4.75; The interest rate is 4.75 for three to five years (including five years); 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.

Credit loans, the interest rate is very high, generally rising by 20% or more. The credit loan interest rates of some large banks and some joint-stock commercial banks are also quite different. 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 a lower interest rate, but it has higher requirements for credit and qualification. The latter requirements will be lower, but they are still much stricter than those of non-bank lending institutions.

Second, the calculation formula of credit loan interest rate

How to calculate interest is related to the repayment method chosen. Common repayment methods include matching principal and interest and average capital. The calculation formula is as follows:

1, equal principal and interest:

Monthly repayment amount = loan principal × [monthly interest rate ×( 1 monthly interest rate )× repayment months] pide; {[( 1 monthly interest rate) repayment months ]- 1}

Total interest = monthly repayment amount-loan months-principal

2. Average capital:

Monthly repayment amount = (loan principal/repayment months) (principal-accumulated repaid principal) × monthly interest rate.

Total interest = monthly interest rate of loan principal (loan months /20.5)

Three, apply for credit loans must meet the following conditions:

1. Applicant 18 years old or above is a natural person with full capacity for civil conduct;

2. The applicant has a fixed residence and is a permanent residence in the local town;

3. The applicant has no illegal acts and no bad records in personal credit investigation;

4. The applicant has a legitimate occupation and a stable source of income, and has the ability to repay the principal and interest of the loan on schedule;

5. The applicant can provide relevant property certificates.

Where can I get a loan?

Hello, ICBC.

1, Industrial and Commercial Bank of China

ICBC's personal comprehensive consumption loan has a wide range of consumption purposes, a high loan amount and a long loan period.

2. China Merchants Bank

Credit loans of China Merchants Bank can be issued by stages according to customers' needs, and the sum of each loan amount does not exceed the approved loan amount. Each loan has the same loan term and repayment method.

3. China Construction Bank

CCB has a high loan amount, a wide range of consumer uses and a low loan interest rate. The fast e-loan launched by CCB has an interest rate of around 7.6%.

4. Industrial Bank

The longest credit period of the comprehensive personal consumption line of Industrial Bank can reach 10 year. During the credit period, the line is reused, and the used line can be recovered after the loan is repaid.

Extended data

Matters needing attention in loan are as follows:

1. The information provided to the bank shall be true, the address and contact information provided shall be accurate, and the bank shall be informed of any change in time;

2. The loan purpose should be legal and compliant, and the transaction background should be true;

3. According to your repayment ability and future income expectations, choose the repayment method that suits you;

4. Apply for a loan amount according to your own ability. Usually, the monthly repayment amount does not exceed 50% of the total family income;

5. Read the terms of the contract carefully and understand your rights and obligations;

6. Repay on time to avoid bad credit records;

7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;

8. prepayment must be handled by communicating with the bank one month in advance.

9. When foreigners apply for commercial loans, banks generally require borrowers to have stable income in the local area, but also to open household registration certificates (some banks also require employment certificates), while housing guarantee companies require foreigners to apply for temporary residence permits in addition to local income.