1. Short-term loan: within one year (including one year), 4.35%;

2. Medium and long-term loans: one to five years (including five years), 4.75%; More than five years, 4.90%;

3. Provident fund loan interest rate: less than five years (including five years), 2.75%; More than five years, 3.25%.

4. Commercial loan interest = loan amount * loan interest rate * loan term = loan amount * days * daily interest rate = loan amount * months * monthly interest rate = loan amount * year * annual interest rate.

The interest rate is determined by the following factors:

(1) interest rate first depends on the average social profit rate and changes accordingly;

(2) Under the condition of constant average profit rate, the interest rate depends on the supply and demand of loan capital in the financial market;

(3) Lending capital must bear certain risks, and the greater the risk, the higher the interest rate; (4) Inflation has a direct impact on interest rate fluctuations;

(4) Term of capital loan. Long loan term, many unforeseen factors, high risk and high interest rate; On the contrary, the interest rate is low.

How to calculate the personal commercial loan interest rate?

1, equal principal and interest calculation formula

The calculation principle of equal principal and interest is that in the monthly mortgage payment, the remaining principal interest is charged first, and then the principal is charged. The characteristic of this calculation method is that the interest in the monthly mortgage payment will decrease with the decrease of the principal, while the proportion of the principal in the monthly mortgage payment will increase, and the total monthly mortgage payment will remain unchanged. The calculation formula is: down payment = principal * down payment ratio%, monthly payment = monthly principal+monthly principal and interest, monthly principal = principal/repayment months, monthly principal and interest = principal x monthly interest rate.

2. Calculation formula of average capital

The calculation principle of average capital is to distribute the borrower's principal evenly to each month of the loan life, and then pay off the interest between each repayment date. The characteristic of this calculation method is that the total interest expense is relatively low and the principal and interest to be paid in the early stage of the loan is relatively high, but the advantage is that the repayment burden will be reduced month by month. The calculation formula is: monthly repayment amount = monthly principal+monthly principal and interest, monthly principal = principal/repayment months, monthly principal and interest = (principal-accumulated repayment amount) x monthly interest rate.

Conditions of the applicant:

1. has legal and valid residence status;

2. There is a contract or agreement to purchase the store;

3. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;

4. There is a down payment of not less than 50% of the total price of the purchased store; 5. Agree to use the purchased shops as collateral or provide assets recognized by the loan bank as collateral or pledge, or units or individuals with guarantee qualifications and sufficient compensation capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities.