1. The loan interest level needs to be determined according to the lender's comprehensive qualification, loan application business type, repayment method, loan application amount, loan application period and other factors. If these factors change, the loan interest will also change. Here, Ximingshi Cai Jun will take the mortgage as an example to share with you the mortgage interest rate to stimulate the lower limb banks.
2. First, state-owned banks. Among them, 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 offered by China Postal Savings Bank, Industrial Bank and China Merchants Bank are generally lower than other banks. The latest data shows that the mortgage interest rate of 202 1 four major state-owned banks is generally around 3.85%. If a bank wants to apply for a credit loan, the lowest loan interest rate of 202 1 should be China Bank. At present, the loan branch interest rate of China Bank is 2.6%. After that, ICBC's renovation loan, with equal principal and interest repayment, can choose to pay by installments for up to 5 years, and the loan interest rate is as low as 3%.
3. The short-term loan interest rate of China Bank is 4.35 for less than 6 months and 4.35 for less than 6 months 1 year. The medium and long-term loan interest rates are: 65438+4.75 for 0 years to 3 years, 4.75 for 3 years to 5 years, and 4.9 for 5 years. The loan interest rate of individual housing provident fund is 2.75 for less than 5 years and 3.25 for more than 5 years.
4. Deep development, the loan interest rate is 5.6% within half a year, and the loan interest rate from half a year to one year is 6. Medium and long-term loan interest rate 1 year or more to 3 years or less 6. 15, 3 years or more to 5 years or less 6.4, 5 years or more 6.55. The loan interest rate of individual housing provident fund, including the loan interest rate of less than 5 years, is the loan interest rate of 4 years and more than 5 years.
Central bank: short-term loans: including 6 months, with a loan interest rate of 4.35; The interest rate from 6 months to 1 year is 4.35;
Medium-and long-term loans: 1-3 years (inclusive) loan interest rate of 4.75; The ratio of 3 to 5 years is 4.75; Five years later, the interest rate is 4.9;
Personal housing provident fund loan: within 5 years, the loan interest rate is 2.75; The five-year interest rate is 3.25;
What's the lowest interest rate for bank loans?
1, commercial loan: 1 The loan interest rate during the year is 4.35%; /kloc-the loan interest rate from 0 to 5 years is 4.75%; The loan interest rate for more than 5 years is 4.9%. 2. Provident fund loan: the loan interest rate is 2.75% within 5 years; The loan interest rate for more than 5 years is 3.25%. I recommend you to go to Lv Qing, a small WeChat program, which has detailed loan contents in Chengdu, so as to maintain stability and facilitate loan comparison.
What's the loan interest rate now?
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%
Loans for one to three years (including three years) 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 purchasing and storage 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.
What is the lowest interest rate that a bank can lend?
The lowest bank loan interest rate is:
Taking mortgage as an example, China Construction Bank, Agricultural Bank and Industrial and Commercial Bank have the lowest mortgage interest rates. The minimum mortgage interest rate of CCB is 3.85%. If the borrower is a credit customer of CCB, the loan interest rate may be discounted.
If it is a credit loan, the lowest loan interest rate is China Bank, and the borrower can apply for a minimum annual interest rate of 2.6%. Followed by Industrial and Commercial Bank of China and Bank of Communications, the interest rate of credit loans is also very low.
The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!
I suggest you take the money from Xiaoman Finance (formerly Baidu Finance) to get a loan. The borrower only needs to provide the second-generation ID card and bank card, and the age must be between 18-55 years old. The approval is very fast, as long as 30 seconds at the earliest, and the loan funds can be received in 3 minutes at the earliest. The maximum loan is 200,000 yuan, and the minimum daily interest rate is 0.02%.
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Reminder: Try to withdraw cash in full after the quota is issued, because risk control is dynamic. Now the loan is not enough. If there is demand, it is best to withdraw it in full. Support early settlement of repayment after the first installment.
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So much for the introduction of the lowest bank loan interest rate.