Of course, it is the four major banks and local support banks.

1, four lines

Among many banks, it is definitely lower than other commercial banks. According to the latest lending rate of 202 1, the five-year minimum lending rate of the four major banks is 4.9, and the minimum lending rate can reach 4.75%.

However, it should be noted that the four major banks apply for loans as state-owned enterprises, and the four major banks have relatively strict qualification requirements for applicants. In addition to the lender's personal credit information, other qualifications also need to meet bank regulations.

2. Local support banks

If you apply for a mortgage, you can choose some local banks with policy support. Lenders in Dalian, for example, can apply for loans in bank of dalian. As a local, bank of dalian usually gives preferential treatment. And with the support of policies, such banks will be better than other commercial banks in loan amount and loan time.

Generally speaking, when banks apply for loans, if they want to choose low-interest and reliable loans, it is definitely right to choose the four major banks. But lenders also need to judge according to their own qualifications. The better their personal qualifications, the higher and lower the loan amount they can apply for.

At present, China's deposit and loan interest rate is still in a semi-regulated state, and the People's Bank of China adjusts the deposit interest rate in a timely manner according to the supply and demand of funds, and freely floats within the prescribed scope. Among them, the floating range of loan interest rate of commercial banks, urban credit cooperatives and other financial institutions is between 0.9%- 1.7%, that is, the highest floating range of loan interest rate on the basis of benchmark interest rate is 70%, and the floating range is 10%. General banks will give certain loans to different products according to the assets and risks of loan applicants.

Although the loan interest rate is always relatively loose when it is the highest, the loan interest rate usually rises slightly. Loans come from the strict control of credit lines by commercial banks, and the positive attitude of commercial banks comes from the strengthening of central bank window guidance.

Benchmark annual interest rate of each project (%)

I. Short-term loan for six months (inclusive) 6.10; Six months to one year (inclusive) 6.56

2. Medium and long-term loans for one to three years (inclusive) 6) 6.90; More than five years 7.0

Every bank is different in every region, please consult your local bank.

Legal basis:

Article 28 of the Provisions on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases

After the borrower and lender settle the principal and interest of the previous loan, they will include the interest in the principal of the latter loan and reissue the creditor's rights certificate. If the previous interest rate does not exceed the annual interest rate of 24%, the amount specified in the reissued creditor's rights certificate can be confirmed as the later loan principal; Excess interest cannot be included in the future loan principal. If the agreed interest rate exceeds the annual interest rate of 24%, and the parties claim that the excess interest cannot be included in the future loan principal, the people should support it.

Article 196 of the Criminal Law Whoever engages in credit card activities under any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.

Malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.

Overdue fines and penalty interests must be paid.

2. Which bank has the lowest credit loan interest rate?

Bank of China: The upper limit of the annual interest rate of the e-loan credit loan of Bank of China is 4.35%, and differentiated pricing is implemented according to the specific situation of the borrower;

2. Agricultural Bank of China: Netjet credit loan, with a minimum annualized interest rate of 4.35%-4.5% for one-year loans. Interest rates vary in different regions, and differentiated pricing is also carried out according to the qualifications of borrowers;

3. Postal Savings Bank: The annualized interest rate of postal savings loans is 4.35%-7.05.

3. What bank loan interest rate is the lowest?

I said that because I was bored! Facing the computer every day, I will feel anxious and want to get sick.

4. Which bank has the lowest interest on consumer loans?

The interest rate of bank consumer loans is determined according to the region and the qualifications of lenders. Every bank has different consumer loan products and different application conditions. So if you want to know which bank's consumer interest rate is low, you need to go to several banks to apply for consumer loans, so as to know which bank gives you the lowest interest rate.

The first is the state-owned banks. Among the state-owned banks, China Bank has the lowest interest rate, followed by China Construction Bank, Agricultural Bank and Industrial and Commercial Bank. Among other state-owned banks, the mortgage interest rates of Postal Savings Bank, Industrial Bank and China Merchants Bank are generally lower than those of other banks. The latest data shows that the mortgage interest rate of the four major state-owned banks is generally around 3.85% at 202 1.

If the lender wants to apply for a credit loan, the lowest loan interest rate of 202 1 should be China Bank, and the current loan interest rate is 2.6%. Then there is ICBC's renovation loan, with equal principal and interest repayment. The longest installment is five years, and the loan interest rate is as low as 3%.

After that, the loan interest rate was relatively low, that is, joint-stock commercial banks such as Industrial Bank, Minsheng Bank and China Merchants Bank, and the monthly interest rate basically ranged from 6% to 8%. After that, there were renovation loans from Postal Bank, China Construction Bank and Agricultural Bank, and the interest rate was also very low.