1. What is the annual interest rate of bank loans?
Annual interest rate of bank loans: at present, the benchmark interest rate of RMB loans within 6 months (including 6 months) is 4.35%; The annual interest rate of loans from half a year to one year (inclusive) is 4.35%; The annual interest rate of loans for one to three years (including three years) is 4.75%; The annual interest rate of loans for three to five years (including five years) is 4.75%; The annual interest rate of loans over five years is 4.90%. Find the law network to remind everyone that the bank will make certain adjustments according to the actual situation.
2. What is the difference between the annual interest rate and the monthly interest rate of bank loans?
The difference between the annual interest rate and the monthly interest rate of bank loans is as follows:
The conversion period of 1. is different.
The monthly interest rate refers to the percentage of interest and principal calculated every month, and the annual interest rate refers to the percentage of interest and principal calculated every year. Generally speaking, the annual interest rate is a few percent (%); And the monthly interest rate is a few thousandths (‰).
2. The calculation methods of monthly interest rate and annual interest rate of loans are different.
Annual interest rate: refers to the interest rate of one-year deposits or loans; Annual interest rate12 = monthly interest rate. The monthly interest rate refers to the one-month deposit or loan interest rate; Monthly interest rate × 12= annual interest rate. For example, the annual interest rate is 6%; The interest rate in Na Yue is 6%12 = 5%.
The conversion relationship between monthly interest rate and annual interest rate is: monthly interest rate = annual interest rate/12, and the corresponding annual interest rate can be calculated by monthly interest rate × 12.
3. The interest of the loan is different.
Banks can use product interest method and transaction interest method to calculate interest.
3. What is the annual interest rate of bank loans?
Bank loan annual interest rate simple interest refers to the interest calculated according to the fixed principal, which is a way to calculate interest. The calculation of simple interest depends on the amount (principal) of the loan or loan, the length of the use of the asset and the general annual interest rate in the sales market.
How much is the interest on the bank loan?
The interest rate of bank loans depends on the specific bank. The benchmark interest rate for RMB loans within six months (including six months) is 4.35%; The annual interest rate of loans from half a year to one year (inclusive) is 4.35%; The annual interest rate of loans for one to three years (including three years) is 4.75%; The annual interest rate of loans for three to five years (including five years) is 4.75%; The annual interest rate of loans over five years is 4.90%. Banks adjust to a certain extent according to the actual situation, and the floating range of different banks is different.
Legal basis: Article 107 of the Implementation Measures for Special Tax Adjustment (Trial)
If the tax authorities make special tax adjustments to enterprises according to the provisions of the Income Tax Law and its implementing regulations, they should pay enterprise income tax interest in addition to the transactions that occurred after June 65438+ 10/2008. (1) The interest period starts from June 6th of the year following the tax year and ends on the date when the tax is paid (prepaid) and put into storage. (2) The interest rate is calculated according to the benchmark interest rate of RMB loans of the People's Bank of China (hereinafter referred to as the "benchmark interest rate") implemented on February 3 1 day of the tax year, and the daily interest rate is converted into 365 days a year. (3) Where an enterprise provides information and other relevant information for the same period in accordance with the provisions of these Measures, or an enterprise is exempted from preparing information for the same period in accordance with the provisions of Article 15 of these Measures, but provides other relevant information as required by the tax authorities, interest may be calculated only at the benchmark interest rate. An enterprise is exempted from preparing data for the same period in accordance with the provisions of Item (1) of Article 15 of these Measures, but the provisions of Item (2) of this article shall apply if the actual related party transaction amount reaches the standard that data for the same period must be prepared after investigation by the tax authorities, and the tax authorities charge interest for overdue tax. (4) The interest charged according to the provisions of this article shall not be deducted when calculating the taxable income.
202 1 What is the benchmark interest rate for loans?
20 17 List of benchmark interest rate of China People's Bank loan: percentage of loan interest rate within 6 months (%)4.356 months-1 year 4.35 1 year to 3 years 4.753 to 5 years 4.755 years or more 4.90 individual housing provident fund loan interest rate percentage (%)5 years or less 2.755 years or more 3. 25。
The benchmark loan interest rate for 20 17 years is the same as last year, and everyone can repay as usual. 20 17 whether the central bank will introduce new policies, we will wait and see.
20 17 farmer's loan interest rate 1. Credit loan interest rate 1, within six months (including six months) ① The first-class farmer's loan interest rate is 60.45%; The loan interest rate of second-class farmers is 651%; The loan interest rate of third-class farmers is 69.75%.
In 20 17, the loan interest rate of China people's bank for the same period is as follows: the annual interest rate of short-term loans within one year (including one year) is 4.35%; The annual interest rate of medium and long-term loans from one year to five years (including five years) is 4.75%, and the annual interest rate for more than five years is 4.9%.
Loan term: less than five years (including five years), and the annual interest rate of the project (%):2.75.
Loan term: more than five years, and the annual interest rate of the project (%):3.25.
The adjustment of interest rate floating range is an important link in the reform of interest rate marketization. The central bank has been cautious in implementing this measure. For many years, we have been implementing the policy that the deposit interest rate cannot rise or fall temporarily, and the loan interest rate can fall from 65,438+00% to 70% on the basis of the benchmark interest rate.
What is the interest rate of Postal Bank 202 1?
The annual interest rate of savings deposits of China Postal Savings Bank is 2.03% (the benchmark annual interest rate of the central bank is 1.75%), and the spot interest rate of demand deposits is 0.35% (the benchmark annual interest rate of the central bank). The interest rate is 0.35%), the annual interest rate of time deposit is 1.78% (the benchmark interest rate of the central bank is 1.5%) and the annual interest rate of demand deposit is 0.3% (the benchmark interest rate of the central bank is 0.35%). The interest rate of five-year fixed deposit of Postal Savings Bank is 2.75%. Although the interest rate of five-year large deposit is higher, the highest interest rate is 4. 125%, which is very high. The deposit interest rate of the employee housing provident fund account will also be uniformly implemented according to the benchmark interest rate, which is currently 1.50%. Extended data:
Compared with the four major state-owned banks, the Postal Bank is backed by the Postal Group. However, due to its late establishment, in order to attract more depositors to save money, the deposit interest rate of Postal Bank is much higher than that of the other four major banks. For example, the three-year interest rate of Postal Bank has reached 3.85%, which has exceeded the 3.575% of Agricultural Bank.
Postal Savings Bank has more than 40,000 outlets, and has built an electronic financial service network covering the vast urban and rural areas, including online banking, mobile banking, telephone banking, TV banking, Sina Weibo Bank, WeChat Bank and CreditEase Bank.