What is the interest rate of 20 17 commercial loan?
Commercial loans are commercial loans used to supplement the working capital of industrial and commercial enterprises. Generally speaking, they are short-term loans, usually 9 months, not more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans. So what is the commercial loan interest rate of 20 17? The following are the relevant answers I have compiled, and you are welcome to refer to them!
What is the interest rate of 20 17 loan to buy a house?
At present, the benchmark interest rate for commercial loans with a loan term of more than 5 years is 4.90%. Due to the policy of restricting purchases and loans, the preferential interest rates of local banks for the first home loan are different. The second home loan interest rate generally rose 10%.
During the same period, the benchmark interest rate of provident fund loans was 3.25%, and the interest rate of second-home loans generally rose 10%.
The second suite is defined as the second suite where the borrower's family (including the borrower, spouse and minor children) determines the mortgage times and has used provident fund loans or commercial loans to purchase houses.
Further reading: matters needing attention in purchasing commercial loans.
First, the choice of payment methods.
The difference between average capital and equal principal and interest
Average capital: refers to the repayment of the same principal every month during the loan period. With less and less principal to be repaid later, interest will be less and less in the future!
Equal principal and interest: that is, the same principal and interest will not be repaid every month. It means that from the moment of the loan, the money in the monthly payment is the same every time!
1, the average capital repayment method is suitable for high-income people.
With equal principal repayment, the borrower can gradually reduce the burden with the increase of repayment period. This repayment method is to allocate the principal to each month and pay off the interest between the previous repayment date and the current repayment date.
Under the same conditions, the total interest paid by this repayment method is less than the equal principal and interest, and the repayment burden will be gradually reduced with the passage of time. However, because the interest is decreasing, the monthly payment in previous years will be higher than the equal principal and interest, which is very stressful, so this repayment method is more suitable for people with high income and low repayment pressure.
2. Matching principal and interest repayment method is suitable for people with stable income.
Matching the principal and interest is to add up the total principal and interest of the mortgage loan and then share it equally every month during the repayment period.
As a repayment person, he pays a fixed amount to the bank every month, but the proportion is. In the monthly repayment amount, the principal increases month by month, and the interest ratio decreases month by month. It can be seen that families with stable income and economic conditions do not allow excessive investment in the early stage can choose this method. 3. Some properties will introduce installment payment.
For young people, college students who have just joined the work, and some people who are short of money, this is a good payment method. Generally, this repayment method allows customers to have a grace period of 1-5 years for customers who fail to pay the down payment. Five years later, with the increase of income and the consolidation of economic foundation, repayment will be improved into a normal repayment method.
Second, the choice of loan term
The sum of the loan term and the borrower's actual age shall not exceed 65 years old. For example, for a 40-year-old property buyer, the date of signing the loan and mortgage contract is 201April 3 15. Then, if the lender's actual birthday is before April of 15, the longest term of his mortgage is 24 years; If the lender's actual birthday is on or after April 15, the longest term of his mortgage loan is 25 years.
The choice of loan term will vary from person to person. Mainly consider three factors:
1. The longest possible mortgage loan term of the lender;
2. The lender's own situation, such as savings, daily income and expenditure, repayment pressure, etc. ;
3. Pay moderate attention to the macroeconomic situation, such as the period of economic interest rate reduction or interest rate increase. Generally speaking, the loan term should be appropriately extended during the period of economic interest rate reduction when its own conditions permit; During the period of rising economic interest rate, the loan term should be shortened appropriately.
Third, the choice of loan amount.
When applying for personal housing loans, borrowers should make correct judgments on their current economic strength and repayment ability, and at the same time make correct and objective predictions on their future income and expenditure.
1 refers to the lender's own capital status, such as savings, daily income and expenditure, repayment pressure, etc.
2. Pay moderate attention to the macroeconomic situation, such as the period of economic interest rate reduction or interest rate increase.
3. Generally speaking, when its own financial strength allows, the loan ratio should be appropriately increased during the period of economic interest rate reduction; During the period of rising economic interest rates, the loan ratio should be appropriately reduced.
Fourth, we should choose a good loan bank.
For borrowers, they can choose their own loan banks to buy existing houses or second-hand houses. The more and more sophisticated services provided by mortgage banks, the more flexible and diverse personal financial services you will get, as well as a rich service and product portfolio. From the perspective of citizens, there is no doubt that the more choices citizens have, the better.
;
What does the loan discount rate mean?
Question 1: What does the loan discount mean? That is to say, the interest rate of housing commercial loans is based on the benchmark interest rate stipulated by the People's Bank of China, and preferential treatment is given according to a certain proportion. For example, at present, the benchmark interest rate for loans with a mortgage interest rate of more than five years is 6.60%. If the discount is 15%, the execution interest rate is 5.6 1%.
Generally speaking, you need certain conditions to enjoy preferential mortgage interest rates. Must be the first time to buy a house, the total income of myself or my family is more than twice the monthly repayment amount of the loan, and my or my spouse's personal credit record is bad.
Question 2: What do you mean when you borrow money? As the name implies, discount is to lower the interest rate on the basis of the current national basic interest rate. For example. A 20% discount is the base interest rate of 6. 14%.8=4.9 12%.
Question 3: Will the preferential bank loans last forever? If the bank recognizes your discount and has already made a payment, then no matter how the interest rate rises or falls, it will be discounted on the basis of the current interest rate. For example, if the basic interest rate is 6.3 1% in February and the interest rate is adjusted to 6.56% in July, it will also give you a 20% discount at the current 6.56%. One more thing, how much interest do most banks pay when they borrow money? If the interest is adjusted in that year, it will not affect your health. Generally, it will be adjusted to current interest on June 65438+1 October1. Some small banks will change with the change of bank interest. Therefore, you should consult your bank for any specific information.
Question 4: What does discount on loan interest rate mean? In other words, the interest rate can be discounted. As for the discount, I don't know.
Question 5: What does the discount on CCB loans mean? The current five-year loan interest rate of CCB is 6.55%. If you discount 98%, the interest rate is 6.4 19%. It can save 0. 13%, and if it is 300,000 yuan, it can save 383 yuan every year.
Question 6: What does the loan discount mean? It means that the interest rate of commercial housing loans is discounted according to a certain proportion on the basis of the benchmark interest rate stipulated by the People's Bank of China. For example, at present, the benchmark interest rate for loans with a mortgage interest rate of more than five years is 6.60%. If the discount is 15%, the execution interest rate is 5.6 1%.
Question 7: What does the intermediary mean by bank loan discount? Bank loan discount refers to the downward fluctuation of the loan interest rate for the purpose of promotion or the preferential interest rate for the first suite when using commercial loans. Generally, it will be 5-30% lower than the benchmark interest rate, which is the so-called 95% to 70% interest rate discount ~
Question 8: What does the loan discount amount mean? Sales discount: I sold you a TV set. 1000. There is a piece of paint on the outside of the TV set, which affects the appearance, but the quality is fine. After consultation, I exempt you from 10 yuan. This is called a sales discount.
Accounting confirmation input 1000- 10=990.
Cash discount: I'll sell you a TV set at 1000 for you to pay as soon as possible. I tell you, if you pay within 30 days, you will be exempted from 10 yuan. If it is more than 30 days, it will be paid in full. This 10 yuan is a cash discount.
The income confirmed by accounting is 1000.
That's basically what it means.
Question 9: What do you mean by many bank mortgage discounts? If you are going to apply for a personal housing loan in our bank, the actual loan interest rate you can apply for is comprehensively priced by the handling bank in combination with the business type, personal solvency, credit status, guarantee method and other factors, and can only be determined after approval.
Question 10: What does the discount in the mortgage calculator mean? Some loans will have preferential or floating interest rates.
What is the benchmark interest rate for 20 17 mortgage?
1 and 20 17 commercial loan interest rate: within six months, the loan interest rate is 4.35%; From half a year to one year, the loan interest rate is 4.35%; For one to three years, the loan interest rate is 4.75%; For three to five years, the loan interest rate is 4.75%; For more than five years, the loan interest rate is 4.9%.
2.20 17 provident fund loan interest rate: within six months, the interest rate is 2.75%; Six months to one year, the interest rate is 2.75%; For one to three years, the interest rate is 2.75%; For three to five years, the interest rate is 2.75%; For more than five years, the interest rate is 3.25%.
Extended data
Conditions and procedures for commercial loans
1. The conditions for commercial loans need to meet four points: ① the applicant's age 18-65 years old; (2) The applicant shall pay more than 30% of the down payment; (3) The applicant should have a stable job and can provide relevant salary certificates; (4) The applicant has good credit and meets the commercial loan standards.
2. When the borrower signs a house purchase contract with the developer, it will pay 30% of the house purchase price; Submit relevant materials to the law firm for review; After receiving the approval of legal opinions, banks sign loan contracts, mortgage contracts and guarantee contracts with buyers.
3, according to the data for mortgage registration, home insurance, contract notarization procedures, and lending. The borrower repays the loan by equal repayment. For the outstanding loan principal, the borrower can repay it in one lump sum, and interest will still be charged in the current period of prepayment, and no penalty will be charged.