1. What is the general interest rate for margin financing and securities lending? For example, if you finance 10,000 yuan to buy stocks, every day...

The current annual interest rate for financing is about 8.6, and the annual interest rate for securities lending is about 8.6. It is 10.6. The settings of each securities company will be different. The details are subject to the contract signed. The interest rate of financing is calculated based on the interest rate stipulated in the margin trading contract signed by the securities company and the investor multiplied by the actual financing amount and the number of days occupied. When the investor repays the financing, the securities company will deduct it from the investor's credit fund account. Collect or collect in accordance with the contract. Guojin Commission Bao is the first batch of "111" Internet securities service products launched in the securities industry, providing convenient securities trading, securities financing, investment advisory services, etc. Welcome to click to learn more

The charges for margin trading and securities lending are similar to those for ordinary accounts, with additional interest. The maximum credit period for margin trading customers is only half a year (180 days), and the fee is ultimately calculated based on the actual borrowing time of the customer. For example, an investor borrows 10,000 yuan from a securities firm, buys a stock, and holds it for 10 days. If you sell the stock (the funds will be automatically returned to the brokerage after selling the stock), then the interest for these 10 days will be calculated based on the annual interest of 8. The financing interest rate shall not be lower than the benchmark loan interest rate of financial institutions for the same period stipulated by the People's Bank of China. 10000108/360=22.22 yuan

Financing interest = actual amount of funds used × number of days of use × annual financing interest rate / 360. Securities lending fee = actual amount of securities used × number of days of use × annual securities lending rate / 360. Actual amount of securities used = actual number of securities used × selling transaction price. The actual number of days used is calculated based on the number of natural days, not counting the beginning and the end. If it is less than one day, it is calculated as one day. That is, it will be charged from the actual use on T day, and will not be charged on the day of repayment; if T0 uses the company's margin financing and securities lending quota during the transaction, the company will charge one day's interest or fees based on the quota used.

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2. What is the lowest interest rate for margin financing and securities lending now?

What is the lowest interest rate for margin financing and securities lending now? The interest rate of margin financing and securities lending is calculated based on the interest rate stipulated in the margin financing and securities lending contract signed by the securities company and the investor multiplied by the actual financing amount and the number of occupied days. When the investor repays the financing, the securities company will deduct the financing interest from the investor's credit fund account. Collect it in the process or in accordance with the method stipulated in the contract. The cost of securities lending is calculated based on the rate for the type of securities lending stipulated in the margin trading contract signed by the securities company and the investor multiplied by the market value of the securities lending on the day the securities lending occurs and the number of occupied days. The securities lending fees will be paid by the securities company when the investor repays the securities lending. The company collects it from the investor's credit fund account or collects it in the manner stipulated in the contract. According to the "Measures for the Administration of Pilot Margin and Securities Lending Business of Securities Companies", the financing interest rate shall not be lower than the benchmark loan interest rate of financial institutions for the same period stipulated by the People's Bank of China. It is worth noting that securities companies can also formulate different charging methods according to actual conditions, and the specific charging standards shall comply with the provisions in the "Margin and Securities Lending Business Contract". Guosen Securities set the financing interest rate at 7.86 and the securities lending rate at 9.86. According to industry insiders, in accordance with international practice, financing interest rates are generally 3 percentage points higher than the benchmark loan interest rate for the same period. The central bank's short-term loan interest rate within six months (including six months) is 4.86, which will be raised by three percentage points to a level of 7.86 in line with international practice. Several other securities firms shortlisted for the first batch of margin trading and securities lending pilots also recognized the above standards. Several major securities firms in Shanghai have stated that it has not yet been finalized, and the securities lending rate is expected to be between 9 and 10 during the pilot period.

3. What is the lowest annualized interest rate for margin financing and securities lending?

Financing is around 5.5.

Currently, the default annual interest rate for financing is around 8.35, and the default annual interest rate for securities lending is around 10.35.

The settings of each securities company will be different. The financing interest rate is generally the one-year bank loan interest rate plus two or three points, and the securities lending interest rate is added to this basis by an annualized rate of 2-3. This interest is variable, not a fixed value, and can be negotiated with the brokerage.

The interest on financing is calculated based on the actual financing amount and the number of occupied days. The formula = financing amount x financing interest rate x number of occupied days/365 days.

The common standards are: the annual interest rate for financing is 8.35, and the annual interest rate for securities lending is 10.35. For example, if you raise RMB 1 million, the interest will be RMB 83,500 per year. And it only took you 30 days to pay back the money. Then the interest you pay is: 8.3530/365=0.66 million yuan.

The current interest rate for financing is 2.288 yuan/10,000 yuan/day, and the interest rate for securities lending is 2.836 yuan/10,000 yuan/day. You can operate T0 on the same day of selling securities. As long as you buy it back at the end of the day and pay back the securities, no interest will be charged if you don't stay overnight. If you repay after one day, the funds will be occupied for 2 days, and you need to pay interest for two days.

How low the interest rate of margin financing can be achieved depends on the financing interest cost of the securities company where you open an account and the number of sources of securities lending and borrowing. Generally, the financing of securities companies is about 5.5. If you want a low financing interest rate, you need to negotiate with the account manager of the securities company. Generally, only large funds can do this! The interest on securities lending depends on how many securities sources the securities company has. I know that if there are few or no securities sources, the interest on securities lending can be directly 8. The interest rates with more bond sources will be higher.

4. What is the lowest interest rate for margin financing and securities lending now?

What is the lowest interest rate for margin financing and securities lending now?

The answer to this question is not so absolute. The reason why I say this is because the financing interest rate depends on the bond and the amount of investors' funds;

( 1) Brokerage policies and costs

Currently, the lowest financing interest rate in the industry is around 5, but most brokerages default to 9.35. You can communicate with the brokerage to learn from the past. Most brokerages can only do this after negotiating. By 5.8-6

Only a very small number of brokers support 5 permanent rates and no amount of funds;

Be sure to confirm the rates and processing channels before applying for a margin trading account , after all, the margin trading credit account is unique. If you want to change brokers due to interest rates and other issues after opening, you can only close the account and reopen it. This process is indeed quite time-consuming;

(2) You The amount of funds

Why is the amount of funds linked to the financing interest rate? It can’t be said to be a routine, it can only be said to be reality:

Assumption: Your current capital amount is between 800W-1000W, and you want to open two financings now. You can ask these brokers, whether it is the first Whether you want to finance a central or central brokerage, it depends on the decision of each brokerage firm. Whether you want to raise 5% lower than 5% depends on the decision of each brokerage. Everyone knows about the current market situation of 800W-1000W high net worth;

So if your asset amount happens to be between 50W and 100W, compared to the above example, it is indeed impossible to achieve a low interest rate of 5 with bonds. If you are lucky, you will be able to find a brokerage company that can smoothly open the two-finance business. Your luck will be around 5.8. Then

In short, there are very few unconditional brokers on the market that can also support the online processing of the two-finance business on the Internet. , it is one in a million, if there is a need, let us elaborate further;

(3) High-quality services provided by securities firms

①Professional investment advisory services:

Includes investment learning courses, entry-level guide for novices, learning exchange training groups, live learning, top ten gold stocks, investment research reports and other benefits; do not underestimate these learning courses, under the guidance of experts, your learning will be Knowledge and mastery are superior, and the factors you need to pay attention to when performing operations are important;

②Quantitative trading services:

A few securities companies apply for free VIP fast lane and Level2 for stock account opening , to achieve fast transactions; 100W supports trade, 300W supports applying for the professional version to realize strategy writing needs, etc. These are the hidden benefits that you should enjoy when choosing a brokerage!