To put it simply, taking short-term working capital loans as an example (short-term refers to the loan term 1 year), the benchmark interest rate of loans is 5.58% (this benchmark interest rate is stipulated by the People's Bank of China, and it will be different if it is a medium-and long-term loan). The bank shall, according to the loan applicant's own operating conditions, financial conditions, bank credit records, collateral provision, etc., examine and approve the interest rate that rises or falls by a certain percentage on the benchmark interest rate. For example, an increase of 10% means 6. 138%, and a decrease of 10% means 5.002%. Because banks are mainly profitable, they generally do not cut interest rates, but only maintain the benchmark.

2.202 1 What's the interest rate of the working capital loan for half a year?

202 1 what is the loan interest rate of the six major banks?

1, Industrial and Commercial Bank of China

202 1, the interest rate of ICBC's short-term loan (within six months, including six months) is 4.35%; The loan interest rate for half a year to one year (including one year) is 4.35%. The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%.

If it is a provident fund loan, the loan interest rate for less than five years (including five years) is 2.75%; The loan interest rate for more than five years is 3.25%.

2. Agricultural Bank of China

202 1, the short-term loan interest rate of Agricultural Bank (within six months, including six months) is 4.35%; The loan interest rate for one year to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9%. For individual housing provident fund loans, the loan interest rate for five years and below is 2.75%, and the loan interest rate for five years and above is 3.25%.

3. China People's Bank

202 1 China RMB bank loan interest rate is 4.35% within one year (including one year), 4.75% for one to five years (including five years) and 4.9% for more than five years. For individual housing provident fund loans, the loan interest rate for five years and below is 2.75%, and the loan interest rate for five years and above is 3.25%.

4. Bank of Communications

202 1 bank of communications loan interest rate is 4.35% within one year (including one year), 4.75% for one to five years (including five years), and 4.9% for loans over five years.

5. China Construction Bank

202 1 China Construction Bank's short-term loan (within six months, including six months) has an interest rate of 4.35%; The loan interest rate for one year to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9%.

6. Postal Savings Bank

202 1, the loan interest rate of Postal Savings Bank (within six months, including six months) is 4.35%; The loan interest rate for one year to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9%.

Three. Bank liquidity loan interest rate in 2022

The benchmark loan interest rate is 5.58%. Take the short-term working capital loan as an example (short-term refers to the loan term 1 year), and the benchmark interest rate of the loan is 5.58% (this benchmark interest rate is stipulated by the People's Bank of China, but it is different if it is a medium-and long-term loan benchmark interest rate. The bank shall, according to the loan applicant's own operating conditions, financial conditions, bank credit records and the provision of collateral, examine and approve the interest rate that rises or falls by a certain percentage on the benchmark interest rate. For example, 10% is 6. 138%, and 10% is 5.002%, because banks are mainly profitable.

4. What is the interest on the working capital loan?

To put it simply, taking short-term working capital loans as an example (short-term refers to the loan term 1 year), the benchmark interest rate of loans is 5.58% (this benchmark interest rate is stipulated by the People's Bank of China, and it will be different if it is a medium-and long-term loan). The bank shall, according to the loan applicant's own operating conditions, financial conditions, bank credit records, collateral provision, etc., examine and approve the interest rate that rises or falls by a certain percentage on the benchmark interest rate. For example, an increase of 10% means 6. 138%, and a decrease of 10% means 5.002%. Because banks are mainly profitable, they generally do not cut interest rates, but only maintain the benchmark.