Including loan interest, loan fees and liquidated damages.

1. The latest benchmark interest rate for bank loans: the annual interest rate of loans is 4.35% for 0-6 months (including June), 4.35% for June-1 year (including 1 year) and 4.75% for 1 year (including 3 years). On this basis, there will be appropriate downward floating or upward floating.

2. Credit business is divided into mortgage loan, secured loan, pledged loan, credit loan, mortgage loan, etc. The charging standard of each business is different. Generally speaking, banks will mainly charge some handling fees, and service fees will be generated during the formalities. Some of them are not collected by banks, but by third-party agencies entrusted by banks, such as lawyers and evaluation agencies.

3. If the lender fails to repay the loan within the agreed time, it shall make compensation according to the liquidated damages agreed in this contract. The law stipulates that the liquidated damages shall not exceed 30% of the subject matter of the contract. The liquidated damages agreed in the loan contract shall not exceed 30% of the loan amount, that is,10.5 million yuan, and shall be paid in case of default. If the liquidated damages exceed 1.5 million yuan, there is no need to pay the excess, because it has exceeded the legal upper limit, and the agreement on the excess is illegal and invalid.

Legal basis:

Interim Measures for the Administration of Personal Loans

Article 35 After the personal loan is issued, the lender shall take effective measures to track, inspect, monitor and analyze the use of loan funds and the changes of the borrower's credit and guarantee to ensure the safety of loan assets.

Article 36 Lenders shall distinguish the types, objects and amounts of personal loans, and determine the corresponding loan inspection methods, contents and frequencies. The internal audit department of the lender shall conduct spot checks and evaluations on the work quality of the loan inspection department.

Article 37 The lender shall regularly track, analyze and evaluate the borrower's performance of the loan contract, and take it as the credit evaluation basis for subsequent cooperation with the borrower.

Article 38 The lender shall, in accordance with the provisions of laws and regulations and the provisions of the loan contract, investigate the liabilities for breach of contract for the borrower's failure to provide true and complete information or to use and pay the loan as agreed in the contract.

Article 39 With the consent of the lender, individual loans may be issued.

For personal loans within one year (inclusive), the cumulative extension period shall not exceed the original loan period; For personal loans of more than one year, the cumulative extension period and the original loan period shall not exceed the maximum loan period stipulated by the loan variety.

Article 40 The lender shall recover the loan principal and interest in accordance with the loan contract.

For loans that are not repaid according to the loan contract, the lender shall take measures to collect or restructure by agreement.

Derivative problem:

How to calculate the loan interest?

As the basic calculation method of bank deposit interest and loan interest. The interest calculation formula has played a lot of roles in the daily settlement of banks and the daily life of ordinary people, and it will become more and more important. The calculation method of bank loan interest is generally compound interest on a monthly basis. There are two ways to repay by installments, one is equal principal and interest, and the other is average capital. In the short term, you can also repay the principal and interest in one lump sum.