Minsheng Bank RMB loan interest rate table

Project annual interest rate%

I. Short-term loans

Six months (inclusive) 5.85 Six months to one year (inclusive) 6.3 1

Two, one to three years (inclusive) of medium and long-term loans 6.4

Three to five years (inclusive) 6.65 More than five years 6.8

Three. Discount is based on the rediscount rate as the lower limit, and the calculation formula of equal principal and interest is determined by adding points:

[loan principal × monthly interest rate ×(65438+ 10 monthly interest rate) repayment months ]=[(65438+ 10 monthly interest rate) repayment months-1]

Calculation formula of average fund: monthly repayment amount = (loan principal ÷ months) (principal-accumulated amount of repaid principal) × monthly interest rate.

Loan11100,000 annual repayment interest of 640.

Repay the principal 10000.

Debt service 10640

Extended data:

Minsheng Bank loan application materials:

1, borrower's ID card, spouse's ID card

2. Work certificates of the borrower and his spouse.

3. Proof of income of the borrower and spouse

4. The household registration book or household registration certificate of the borrower and spouse.

5. Proof of the borrower's assets

6. The last two items are business license, national tax registration certificate, organization code certificate and industrial and commercial management fee.

7. Bank statements for the past six months

8. Proof of loan purpose (renovation contract, car purchase contract, etc.). )

9, the borrower's office lease contract; Guarantor ID card and spouse ID card

10, guarantor's work certificate, spouse's work certificate

1 1, income certificate of guarantor and spouse.

12, asset certificate of guarantor

13, the bank statement of the guarantor in the last six months.

14, guarantor's business license

15, Guarantor's office lease contract