The interest rates of commercial banks are similar, whether it is deposits or loans. Loans can be divided into credit loans and mortgage loans, and the interest rate of mortgage loans will be relatively low.

Second, which of the four major banks has cheaper loans?

1, four lines

Among many banks, to ask which bank has the lowest interest rate, the interest rates of the four major banks are definitely lower than those of other commercial banks. According to the latest loan interest rate of 202 1, the lowest loan interest rate of the four major banks is 4.9% for five years, while the lowest loan interest rate for less than five years can reach 4.75%.

However, it should be noted that if you want to apply for loans in the four major banks, the threshold for applying for loans is still relatively high. As state-owned enterprises, the four major banks have relatively strict qualification requirements for borrowers.

In addition to the lender's personal credit information, other qualifications also need to meet the requirements of the bank.

2. Local support banks

If the lender can't handle the mortgage in the four major banks, then he can choose some local banks with policy support. For example, a lender in Dalian can apply for a loan in bank of dalian. As a local, bank of dalian usually gives some preferential loan interest rates.

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 the loan amount they can apply for and the lower the loan interest rate they can apply for.

Extended data:

Interest is the use fee of money in a certain period of time, and it refers to the reward that money holders (creditors) get from borrowers (debtors) for lending money or monetary capital.

Including deposit interest, loan interest and interest generated by various bonds.

Under the capitalist system, the source of interest is the surplus value created by hired workers. The essence of interest is a special transformation form of surplus value and a part of profit.

Every enterprise has to borrow money from the bank in the process of production and operation, and how to calculate the loan interest.

Under the requirements of the new accounting standards, when borrowing short-term, take short-term loans as an example to record loan interest.

For example, an enterprise borrows money from ICBC, the amount is 654.38+0 million, the time is three months, and the interest rate is 9%. How to deal with the financial personnel? There are several specific steps:

When the loan is obtained, the borrower of the bank deposit account can be credited with 6,543.8+0,000, and the short-term loan account can be credited with 6,543.8+0,000.

Interest can be accrued or not, and there are two aspects of direct payment at maturity.

First, it does not bear interest. When it is paid directly after maturity, it can be credited to the short-term borrower, with the amount of 6,543.8+0,000, the financial expense accounting debit, with the amount of 22,500, and the bank deposit accounting credit, with the amount of 6,543.8+0,225.

Second, if the interest is accrued on a monthly basis, the financial expense account with an amount of 750,000 can be debited when the interest is accrued in the first month, and the interest payable or accrued expense account with an amount of 750,000 can be credited. Take the first month as an example, several consecutive accounting entries are the same. When the loan interest expires, you can debit the short-term loan account with the amount of 1 10,000. Debit account of interest payable or accrued expenses 22, 500 yuan, credit account of bank deposit 65,438+0,022, 500 yuan.

As the occupation cost of an enterprise, interest directly affects the economic benefits of the enterprise. In order to reduce costs and improve efficiency, enterprises should do everything possible to reduce the amount of funds, and at the same time compare the costs of various financing methods in the process of financing. If enterprises in the whole society regard saving interest expenses as a common behavior mode, then the efficiency of economic growth will certainly be improved.

3. Which bank has lower loan interest?

According to official website, a local bank, there is no difference in interest rates. Short-term loans, that is, six months (including six months) to%; For half a year to one year (including one year), the loan interest rate is 4.35%.

Medium and long-term loans, one to three years (including three years), the loan interest rate is 4.75%. For three to five years (including five years), the loan interest rate is 4.75%. Over five years%.

Commercial banks will adjust the loan interest rate according to the types of loan products, their own situation and relevant local policies, so the loan interest rate of each bank will be different. When applying for a loan, the bank will also adjust the loan interest rate according to the applicant's qualifications. In general, the better the applicant's personal qualifications, the lower the loan interest rate will be.

How much is the interest of each bank? 202 1?

1, the second credit of CITIC Bank.

The maximum loanable amount of credit second loan of CITIC Bank is 300,000 yuan, which supports%. Lenders can choose the repayment method of paying interest on a monthly basis, repaying the principal on schedule and matching the principal and interest. The age requirement is between 20 and 55, and the personal credit status is good.

2. Silver Point Loan of Shanghai Pudong Development Bank

Shanghai Pudong Development Bank lends 0,000 yuan, with the longest loan period of 5 years, that is, 60 installments. However, silver point loan requires higher qualifications of borrowers, and the process of applying for silver point loan with minimum annual interest rate can be completed in 3-5 minutes.

3. CCB Express Loan

CCB Express Loan is a financial service product of CCB and banks for users to choose from. The maximum fast loan for CCB is% 200,000.

4. Agricultural Bank's online loan

Netjet has the highest loan amount and adopts the method of repayment at maturity. The minimum annual interest rate of NetJet loan is about 4.56456 yuan. According to previous user feedback, during the Double Eleven period, NetJet also had preferential interest rates, and the one-year interest rate was as low as 3.8.

5. ICBC Wealth Management E

If during the activity, the minimum interest rate of Rong E can reach 4.35%, which is equivalent to a high loanable amount of 300,000 yuan.

But in reality, the loan interest rates of the four major banks are usually lower than those of commercial banks, and the loan interest rates of state-owned banks will generally rise by about 15% on the basis of the latest LPR interest rates.