The interest rates of credit loans in big banks are almost the same, and there will be different interest rates according to individual circumstances. The following banks with low credit loan interest rates are for reference:

1, CCB Express Loan: CCB Express Loan is also a personal credit loan product with a low interest rate, which was as low as 4.35% before, but the specific interest rate is differentiated by the system according to the borrower's credit and contribution.

2. Bank of China: China Bank E-loan credit loan, with an annual interest rate ceiling of 4.35%, and differentiated pricing is implemented according to the specific situation of the lender;

3. Agricultural Bank of China: Netjet Credit Loan. The annual interest rate of the newly signed 1 year loan is at least 4.35%~4.5%. The interest rates in different regions are different, and the pricing is different according to the qualifications of lenders.

4. Postal savings loans-privileged customers: personal credit loans issued by Postal Savings Bank, starting from 65,438+0,000 yuan, up to 200,000 yuan, with an annual interest rate of 4.35%-7.05%. Differentiated interest rates shall be adopted according to the qualifications of borrowers, subject to the interface display at the time of application.

Extended data:

1. At present, the benchmark interest rate for RMB loans is:

1, short-term loans: within 6 months, the interest rate is 4.35, and the interest rate is 4.35 from 6 months to 1 year (including one year);

2. Medium and long-term loans: one to three years (including three years), with an interest rate of 4.75; The interest rate is 4.75 for three to five years (including five years); The interest rate for more than five years is 4.90;

Personal credit consumption loans can rise by a certain percentage on the basis of the benchmark interest rate.

Credit loans, the interest rate is very high, generally rising by 20% or more. The credit loan interest rates of some large banks and some joint-stock commercial banks are also quite different. The annual interest rate of credit loans of some big banks can be controlled between 5% and 7%, while the interest rate of credit loans of joint-stock commercial banks is likely to be higher than 10%. The former has a lower interest rate, but it has higher requirements for credit and qualification. The latter requirements will be lower, but they are still much stricter than those of non-bank lending institutions.

What is the lowest loan interest rate?

There are mainly three types of loans with the lowest loan interest rate:

1, mortgage loan. Because the borrower can provide collateral with a certain value, the risk of loans overdue and capital loss can be greatly reduced, so the interest rate will also be reduced.

2. Provident fund loans. Provident fund loan is essentially a welfare loan, and the interest rate is usually much lower than that of ordinary bank loans. Of course, the threshold for applying for provident fund loans is relatively high, and various conditions need to be met.

3. Bank credit loans

The interest rate of bank credit loans fluctuates on the benchmark interest rate stipulated by the state. There may be ups and downs, influenced by many factors, and the regulations of each bank are different, which is related to the purpose, nature, term, policy and bank of the loan. But relatively speaking, interest is generally not very high. The interest rate of bank credit loans fluctuates on the benchmark interest rate stipulated by the state. There may be ups and downs, influenced by many factors, and the regulations of each bank are different, which is related to the purpose, nature, term, policy and bank of the loan. But relatively speaking, interest is generally not very high.

What's the lowest interest rate for bank loans?

1, commercial loan: 1 The loan interest rate during the year is 4.35%; /kloc-the loan interest rate from 0 to 5 years is 4.75%; The loan interest rate for more than 5 years is 4.9%. 2. Provident fund loan: the loan interest rate is 2.75% within 5 years; The loan interest rate for more than 5 years is 3.25%. I recommend you to go to Lv Qing, a small WeChat program, which has detailed loan contents in Chengdu, so as to maintain stability and facilitate loan comparison.

Loan with the lowest interest rate

The interest calculation formula of the loan is as follows:

1. If interest is calculated, the calculation formula of loan interest is: loan interest = principal interest rate, and loan term.

2. If the interest rate is calculated, the calculation formula of the loan interest rate is: loan interest rate = principal/interest rate loan period.

In fact, the execution interest rate of each bank will fluctuate. Please refer to the actual transaction interest rate for details.

2. Which bank has low interest on commercial loans?

Banks with low commercial loan interest rates include China Bank, China Construction Bank, Agricultural Bank and China Industrial and Commercial Bank.

202 1 The latest data shows that the mortgage interest rates of the four major state-owned banks are generally around 3.85%. For credit loans, the lowest loan interest rate is China Bank, and the current loan interest rate is 2.6%. After that, ICBC will repay the principal and interest in equal amount, with the longest installment of five years and the loan interest rate as low as 3%.

Note: The level of loan interest is also related to the lender's personal comprehensive qualification, loan business type, loan amount, repayment method, loan term and other factors.

Second, how to get the lowest loan interest?

1, amount ≤3W:

This general suggestion is to cash in with a credit card, use Alipay's flowers, borrow them, and so on. Used for loans, and the general interest rate is relatively low, easy to use.

2. Amount ≤ 10W:

The secured loan is good. Looking for a guarantor, maybe in my hometown rural credit cooperative. Credit companies require to work for more than half a year, or have a business license for one year, but the self-employed who just started can't get it.

3. Amount ≤50W

500 thousand, depending on how many years you want to pay back. It can be one year, two years, three years, five years. If there is collateral, it is recommended to apply for a mortgage loan, and the interest rate of the mortgage loan will be lower than that of the credit loan. According to the purpose of the loan, it can be regarded as a consumer loan, and the interest rate rises by more than 30% on the basis of the benchmark interest rate. Of course, if you have acquaintances, you can have fewer. The repayment method can be equal principal and interest, with monthly interest paid every year or at maturity. Banks generally like the repayment method of equal principal and interest. In view of the actual situation, it is recommended to apply for mortgage consumer loans, and the interest rate and repayment method can be negotiated with the bank.

4. Amount ≥100 w.

This is hard to borrow.

What's the minimum interest on a bank loan?

The loan interest rates of all commercial banks are adjusted on the basis of the central bank's benchmark interest rate. 1 year, the lowest benchmark interest rate for commercial loans is 4.35%, the annual interest rate for loans of 654.38+10,000 yuan is 4,350 yuan, and the lowest benchmark interest rate for provident fund loans is 2.75% in five years. The benchmark interest rate of central bank loans is as follows:

1, commercial loan: 1 The loan interest rate during the year is 4.35%; /kloc-the loan interest rate from 0 to 5 years is 4.75%; The loan interest rate for more than 5 years is 4.9%.

2. Provident fund loan: the loan interest rate is 2.75% within 5 years; The loan interest rate for more than 5 years is 3.25%.