1. Short-term loan

Within six months (including six months) 4.86; Six months to one year (including one year) 5.31.

2. Medium and long-term loans

One to three years (including three years) 5.40; three to five years (including five years) 5.76; more than five years 5.94.

3. Personal Housing Provident Fund Loans

3.33 for less than five years (inclusive); 3.87 for more than five years.

4. Welfare factory loan from the civil affairs department 3.87.

5. Economic development loans for the old, young, border and poor 2.43.

6. Loans for ethnic trade and production of ethnic products 2.43.

Extended information:

Loan skills:

Nowadays, more and more people born in the 1980s take loans to buy houses and cars. Suddenly, the loan business provided by banks It has become the "new favorite" of the times. However, it is still a bit difficult to successfully obtain a loan from a bank, and it is even more difficult to obtain a loan during certain periods. Below I will share with you a few tips for successful loans, hoping to help more people successfully obtain loans.

1. Reasons for borrowing: During the process of applying for a loan, the borrower should be frank and clear about the reasons for the loan, and write down in detail the purpose of the loan and the personal advantages in repaying the loan. For example: good personal credit record.

2. Borrowing amount: The amount of the loan the borrower applies for at the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what the lender wants. They are sure You don’t want your loan funds to be disbursed within half a month. If the loan applied for by the lender is relatively large, it is recommended that you reduce the loan amount appropriately, so that your chances of passing the bank's review will be greatly increased.

3. Loan description: Fill in the application information in detail, including the purpose of the loan, personal credit record, source of income, repayment ability, family income, etc. To ensure that your loan can be repaid on time no matter when, where or what the situation is.

4. Loan repayment: After the borrower successfully applies for a loan, he must repay the loan within the specified time. Do not take chances and delay the repayment time, thereby causing a bad personal credit record. In addition, relevant departments will also make every effort to recover loans that are in arrears.

Baidu Encyclopedia-Bank Loan Interest Rate

Baidu Encyclopedia-Loan Base Interest Rate