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The interest rate of one-year loans varies from bank to bank. Take the central bank as an example, the one-year loan interest rate is 4.35%. Based on the loan 1 ten thousand yuan, the annual loan interest is: 1 ten thousand yuan 4.35%=435 yuan.

1. If it is within one year (including one year), the annual interest rate of the loan is 4.35% and the annual interest is 435 yuan.

2. The annual interest rate of loans for one to five years (including five years) is 4.75%, and the annual interest is 475 yuan.

3. For more than five years, the annual interest rate of the loan is 4.90%, and the interest for one year is 490 yuan.

What's the loan interest rate?

How much is the interest on the bank loan?

At present, the bank loan interest rate is determined according to the fluctuation of the benchmark loan interest rate stipulated by the People's Bank of China. Different banks and products will have different interest rates.

At present, our loan interest rate is as follows: 4.85% for loans within 6 months (including 6 months).

Loans from six months to one year (including 1 year) 4.85%

One to three years (including three years) loan 5.25%

3 to 5 years (including 5 years) loan 5.25%

Loans with a term of more than five years are 5.40%. After the promulgation of Article 5, branches can further increase the down payment ratio and interest rate of the second home loan in cities where house prices are rising too fast according to the real estate control objectives and policy requirements of the local people's government. At present, all localities are studying and formulating relevant implementation rules, which can be implemented after being formulated and reported to the head office of the People's Bank of China for approval. Consistent with previous market expectations, in some cities where house prices have risen too fast, the down payment for second-home mortgage may be raised to 70%, and the interest rate may be raised to 1.3 times.

According to the relevant provisions of the state:

1. All localities continue to track and monitor the issuance of individual housing loans, and pay close attention to the interest rate and down payment ratio of the first home loan and the implementation of the housing loan policy for non-local residents.

2. Financial institutions should strictly implement the differentiated housing credit policy, optimize the interest rate structure, and set reasonable prices to meet the loan demand of households for purchasing self-occupied ordinary commodity housing for the first time. According to industry insiders, it is unlikely that the credit policy of the first home will change, and it will still be implemented according to the preferential interest rate of 30% down payment and a minimum of 8.5%. Therefore, the first home buyers need not worry too much about the adjustment of the credit policy.

3. Support the reasonable credit demand of small and medium-sized ordinary commodity housing projects and government land reserve institutions, and promote the increase of effective market supply.

4. In the future, we should strengthen window guidance, guide banking financial institutions to continue to support the reasonable credit demand of government land reserve institutions and real estate development enterprises on the basis of preventing risks, pay attention to the capital situation of real estate enterprises and its impact on loan quality, and continue to track the changes in real estate financing structure and the trend of foreign capital inflow.

5. It is necessary to improve the financial service level of affordable housing projects, urge banking financial institutions to issue loans to eligible affordable housing projects in a timely manner on the basis of strengthening management and preventing risks, and support qualified enterprises to issue medium-term notes and other bond financing tools in the inter-bank bond market, which will be used exclusively for the construction of affordable housing projects.

How much is the interest on the bank loan?

What is the general interest rate for bank loans: 1. Short-term loans within one year (including one year) 4.35; Two, medium and long-term loans for one to five years (including five years) 4.75 more than five years 4.90; 3. The annual interest rate of provident fund loans is% within five years (including five years) 2.75 more than five years 3.25; According to the regulations of the People's Bank of China, the loan interest rates of various banks can float freely at present, so the loan interest rates of various loans of various banks will be different, and the interest to be paid for loans will be more or less.

What is the normal interest rate for a loan?

Normal bank loan interest varies according to different banks, different loan projects and different loan periods. At present, the benchmark interest rate of RMB loans is 4.35% for loans within 6 months (including 6 months); The annual interest rate of loans for six months to one year (including 1 year) is 4.35%; The annual interest rate of loans for one year to three years (including three years) is 4.75%; The annual interest rate of loans for three to five years (including five years) is 4.75%; The annual interest rate of loans over five years is 4.90%.

How much is the interest on general bank loans now?

Legal analysis: the general bank loan interest is as follows: 1. Short-term loans, if the loan term is less than one year (including one year), the annual interest rate is 4.35%; 2. Medium-and long-term loans with a loan term of one to five years (including five years), with an annual interest rate of 4.75%; If the loan term is more than five years, the annual interest rate is 4.90%; 3, provident fund loans, loans for less than five years (including five years), the annual interest rate is 2.75%, loans for more than five years, the annual interest rate is 3.25%. The benchmark loan interest rate of the Bank fluctuates according to the LPR interest rate, with a fluctuation range of about 65,438+00%. The loan interest rate needs to be comprehensively priced in combination with business types, credit status, guarantee methods and other factors, and can only be determined after approval by the handling outlets.

Legal basis: Article 7 of the Law of People's Republic of China (PRC) Commercial Bank, when a commercial bank conducts credit business, it shall strictly examine the credit standing of the borrower, implement the guarantee and ensure the timely recovery of the loan. Commercial banks recover the due principal and interest of loans from borrowers according to law, which is protected by law. Article 37 A commercial bank shall sign a written contract with the borrower when issuing loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.