The interest rate of bank loans depends on the specific bank. For loans within six months (including six months), the benchmark interest rate for RMB loans is 4.35%; The annual interest rate of loans for six months to one year (including 1 year) is 4.35%; The annual interest rate of loans for one year 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 is different from bank to bank.

Legal basis: Article 107 of the Implementation Measures for Special Tax Adjustment (Trial)

Where the tax authorities make special tax adjustments to enterprises in accordance with the provisions of the Income Tax Law and its implementing regulations, interest on enterprise income tax will be levied on transactions that occurred after June 65438+ 10/2008. (1) The interest period starts from June 1 day following the tax year and ends on the date of tax payment (prepayment) and warehousing. (2) The interest rate is calculated by adding 5 percentage points 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 to which the tax belongs, 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 in accordance with the requirements of the tax authorities, interest may be calculated only at the benchmark interest rate. An enterprise is exempted from compiling data for the same period in accordance with the provisions of Item (1) of Article 15 of these Measures, but after investigation by the tax authorities, its actual related party transaction amount reaches the standard of compiling data for the same period, and the tax authorities charge interest on overdue tax, the provisions of Item (2) of this article shall apply. (4) The interest charged according to the provisions of this article shall not be deducted when calculating the taxable income.

Personal bank loan interest rate

According to the interest calculation formula: deposit interest = principal deposit time deposit interest rate. Bank personal loan interest:

1. Loans within one year (including one year): 4.35%.

2. Loans from one year to five years (including five years): 4.75%.

3 Loans for more than five years: 4.90%.

4. Provident fund loan: less than five years (including five years): 2.75%.

5. Provident fund loan: more than five years: 3.25%.

What is the general interest rate for bank loans?

The benchmark interest rate for short-term loans within one year (including one year) is 4.35%, the interest rate for medium-and long-term loans from one year to five years (including five years) is 4.75%, and the interest rate for more than five years is 4.9%; Personal provident fund housing loans for less than five years (including five years) are 2.75% and 3.25% for more than five years. If necessary, you can go to the WeChat applet, and the green donkey consultant can help you solve most of the loan problems. Baidu also has a lot of related information.

What's the interest rate for bank loans?

Bank loan interest rate: for loans within six months (including six months), the benchmark interest rate for RMB loans is 4.35%; The annual interest rate of loans for six months to one year (including 1 year) is 4.35%; The annual interest rate of loans for one year 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%. The bank makes certain adjustments according to the actual situation. According to Article 8 of the Civil Law of People's Republic of China (PRC), civil subjects engaged in civil activities shall not violate the law, public order and good customs. Article 11 of the Interim Measures for Personal Loans The application for personal loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.