In life, people often encounter such a situation, spend a lot of money, but their own funds are insufficient, and may need to go to the bank for loans. But bank loans are not free, and there will be some fees more or less. After all, banks are not charities and need to make profits. Next, let's see how much the bank loan fee is.

1, loan interest:

This is the most basic and familiar expense, which usually bears interest on a daily basis.

However, there is no fixed standard for specific interests, which has a certain relationship with many aspects. For example, the loan method chosen by the lender is credit loan, mortgage loan, mortgage loan or car loan. There is also the repayment method, such as equal principal and interest, average capital and so on. This is comprehensively determined.

2. Loan fees:

Not all bank loans will charge interest, but no handling fee, which is actually equivalent to monthly interest, but most credit card derivative loans will adopt this charging method.

Take the simplest example: in the case of buying a car by installment with a credit card, there is no interest on buying a car by installment with a credit card, but a part of the handling fee will be charged to the borrower.

3. Default fee:

In fact, this can be divided into two kinds of fees, one is the liquidated damages after overdue, and the other is the liquidated damages for early repayment, with different charging standards.

1) After the borrower obtains the loan, it still needs the borrower to repay the loan on time. If the borrower fails to repay the loan on time, resulting in overdue repayment, the bank will charge liquidated damages according to the number of days the borrower is overdue.

2) When the borrower applies for early repayment of the loan, the bank will also charge a certain amount of liquidated damages. The charging standards of different banks are different, and the specific situation needs to be implemented in accordance with bank regulations.

How much is the bank loan?

Loan interest, loan handling fee and default fee

1. The latest benchmark interest rate for bank loans: 4.35% for 0-6 months (including June), 4.35% for June-1 year (including 1 year) and 4.35% for 1 year -3 years (including 3 years). On this basis, there will be appropriate downward floating or upward floating.

2. Credit business is divided into mortgage loan, secured loan, credit loan, mortgage loan, etc. The charging standard of each business is different. Generally speaking, banks will mainly charge some handling fees, and service fees will be generated during the formalities. Some of them are not collected by banks, but by third-party agencies entrusted by banks, such as lawyers and evaluation agencies.

3. If the lender fails to repay the loan within the agreed time, it shall make compensation according to the liquidated damages agreed in this contract. The law stipulates that the liquidated damages shall not exceed 30% of the subject matter of the contract. The liquidated damages agreed in the loan contract shall not exceed 30% of the loan amount, that is,10.5 million yuan, and shall be paid in case of default. If the liquidated damages exceed 1.5 million yuan, there is no need to pay the excess, because it has exceeded the legal upper limit, and the agreement on the excess is illegal and invalid.

: 1. Mortgage loan: At present, the benchmark interest rate is 4.35% for short-term loans within 1 year, 4.75% for medium-term loans within 1 -5 years, and 4.9% for long-term loans over 5 years.

2. Credit loan: The entry threshold of credit loan is relatively high, but the interest is relatively acceptable. -The interest range of general bank credit loans is 8%- 18%.

3. Mortgage loan: The house with mortgage loan can continue to be mortgaged, and the general annual interest rate is between 12%- 18%.

202 1 lending rates of 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 interest rate of loans for three years (including three years) is 4.75%, and the interest rate of loans 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 interest rate for five-year loans (including five years) is 4.75%, and the interest rate for loans over 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 loans over 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, the loan interest rate of Bank of Communications is 4.35% within one year (inclusive), 4.75% within five years (inclusive) and 4.9% 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 five-year loan interest rate is 4.75%, and the five-year loan interest rate 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 interest rate of loans for five years (including five years) is 4.75%, and the interest rate of loans over five years is 4.9%.

How to calculate the interest on bank loans?

1. simple interest method simple interest method means that during the loan term, on the agreed interest collection date, interest is only calculated according to the loan principal, and the interest not collected in the previous period is not used as the basis for calculating the interest in the current period. Commercial banks in China use simple interest method to collect loan interest. The calculation formula is: interest = loan principal × loan daily interest rate × loan days.

2. Compound interest method The compound interest method means that if the interest of the previous period is not received on the agreed interest collection date within the loan term, the interest of the previous period should be included in the principal as a new interest base, and interest should be calculated and collected on this basis. Compound interest is commonly known as "rolling interest". The calculation formula is: sum of principal and interest = loan principal ×( 1 interest rate) n power interest = principal × [( 1 interest rate) n power 1].

3. Discount method Discount method refers to the method that commercial banks deduct interest from the principal in advance when issuing loans, and borrowers repay the principal and interest at one time when due. Commercial banks usually use this method when discounting commercial bills for customers. The calculation formula is: interest = loan principal (or face value) × loan days × discount date interest rate.

4. The principal and interest installment method refers to a method of repaying principal and interest regularly during the loan period. This law is applicable to housing mortgage loans and other loan projects with large amount and long term. There are two different options for commercial banks to repay principal and interest by installments.