Introduction of the top ten bank loan products:
I. Industrial and Commercial Bank of China
Product name: Rong e-loan
Interest rate: the annual interest rate is about 7.2%, which can be lower when there are preferential activities.
Line: 600,000-800,000, which is basically equal to the credit card line.
Duration: generally 2 years, up to 5 years. Support four repayment methods: matching principal and interest, average capital, paying interest on schedule and paying principal and interest in one lump sum, and support early repayment.
Second, China Construction Bank.
Product name: quick and easy loan
Interest rate: about 6% per year.
Amount: up to 300,000 yuan.
Duration: 1 year. One-time repayment of principal and interest.
Evaluation: It is necessary to have business dealings with CCB before granting credit, mortgage, wealth management and provident fund.
Three. agricultural bank
Product Name: Online Loan Link
Interest rate: the annual interest rate is about 5%.
Amount: up to 300,000 yuan.
Duration: 1 year. One-time repayment of principal and interest.
Evaluation: The application threshold is relatively high, but there is also a chance to make a quota. Small partners who have business dealings with ABC can try it.
4. Shanghai Pudong Development Bank
Product name: integral loan
Interest rate: annualized 6.3%.
Amount: up to 300,000 yuan.
Duration: 5 years. For those who have lived for more than 1 year, they can only choose the repayment method of monthly average principal or equal principal and interest.
Evaluation: However, only provident fund loans can be used, and not all cities are open.
Verb (short for verb) Bank of China.
Product name: E loan
Interest rate: about 6% per year.
Amount: up to 300,000 yuan.
Duration: 1 year. Pay interest on a monthly basis and repay the principal when due.
Evaluation: State-owned banks are hot products with high application threshold.
6. China CITIC Bank
Product name: Yuanmengjin
Interest rate: 9% per annum.
Amount: up to 300,000 yuan.
Duration: up to 3 years. Monthly repayment, equal principal and interest.
Evaluation: The threshold is not high. Credit cards of CITIC Bank can basically be applied for, and some of them will occupy the credit card quota.
7. China CITIC Bank
Product name: New Express
Interest rate: normal annualization is about 9%, and it drops to about 6.8% during preferential activities.
Amount: up to 300,000 yuan.
Duration: up to 3 years. Monthly repayment, equal principal and interest.
Evaluation: Some will occupy the credit card limit.
8. China Everbright Bank
Product name: provident fund loan
Interest rate: about 6% per year.
Amount: up to 300,000 yuan.
Duration: up to 3 years. There are two repayment methods: matching principal and interest, and paying interest once a month.
Evaluation: To have a provident fund, not all cities are open.
Nine, the postal bank
Product name: mail your loan.
Interest rate: annualized 14%.
Amount: up to 200,000 yuan.
Duration: 2 years at most. Equal principal and interest.
X. China Merchants Bank
Product name: e-rental treasure
Interest rate: annualized 18%, with a daily interest of 5,000.
Amount: up to 300,000 yuan. The limit is not recoverable.
Duration: 2 years at most. Equal principal and interest.
Which bank has the lowest interest on credit loans?
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.
Which bank has the lowest loan interest? Look at these families!
When it comes to loans, most lenders are most concerned about loan interest. Every lender wants to find a loan bank with low interest rate, suitable for their own loan conditions and convenient application. Many lenders ask, which bank has low loan interest? At present, it is these families!
Which bank has low interest on loans?
The level of loan interest depends on the lender's personal comprehensive qualification, loan application business type, repayment method, loan application amount, loan application period and other factors. If the factors change, the loan interest will also change. Let's take mortgage as an example and share with banks with lower mortgage interest rates.
The first is the state-owned banks. Among the state-owned banks, China Bank has the lowest interest rate, followed by China Construction Bank, Agricultural Bank and Industrial and Commercial Bank. Among other state-owned banks, the mortgage interest rates of Postal Savings Bank, Industrial Bank and China Merchants Bank are generally lower than those of other banks. According to the data, the mortgage interest rates of the four major state-owned banks are generally at 202 1.
If the lender wants to apply for a credit loan, the lowest loan interest rate of 202 1 should be Bank of China, and the loan interest rate is the renovation loan of ICBC, with equal repayment of principal and interest. The longest installment can reach five years, and the loan interest rate is as low as 3%.
After that, the loan interest rate was relatively low, that is, joint-stock commercial banks such as Industrial Bank, Minsheng Bank and China Merchants Bank, and the monthly interest rate basically ranged from 6% to 8%. After that, there were renovation loans from Postal Bank, China Construction Bank and Agricultural Bank, and the interest rate was also very low.
The above is the related content sharing of "which bank has low loan interest", hoping to help everyone!
Which bank has the lowest loan interest? What's the minimum? l
The lowest bank loan interest rate is:
Taking mortgage as an example, China Construction Bank, Agricultural Bank and Industrial and Commercial Bank have the lowest mortgage interest rates. The minimum mortgage interest rate of CCB is 3.85%. If the borrower is a credit customer of CCB, the loan interest rate may be discounted.
If it is a credit loan, the lowest loan interest rate is China Bank, and the borrower can apply for a minimum annual interest rate of 2.6%. Followed by Industrial and Commercial Bank of China and Bank of Communications, the interest rate of credit loans is also very low.
The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!
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Which bank has low interest on loans?
It is the four major banks and local support banks.
1. Four big banks
Among many banks, to ask which bank has the lowest interest rate, the interest rates of the four major banks are definitely lower than those of other commercial banks. According to the latest loan interest rate of 202 1, the minimum loan interest rate of the four major banks for five years is 4.9%, and the minimum loan interest rate for loans under five years can reach 4.75%.
However, it should be noted that if you want to apply for loans from the four major banks, the threshold for applying for loans is still relatively high. As state-owned enterprises, the four major banks have relatively strict qualification requirements for loan applicants.
In addition to the lender's personal credit information, other qualifications also need to meet the requirements of the bank.
2. Local support banks
If the lender can't handle the mortgage in the four major banks, then he can choose some local banks with policy support. For example, Dalian lenders can go to bank of dalian to apply for loans. As a local, bank of dalian usually gives some preferential loan interest rates.
Moreover, if there is policy support, such banks will be better than other commercial banks in terms of loan amount and lending time.
Generally speaking, when applying for a loan from a bank, if you want to choose a low and reliable interest rate, it is definitely right to choose the four major banks.
But lenders also need to judge according to their own qualifications. The better their personal qualifications, the higher the loan amount they can apply for and the lower the loan interest rate they can apply for.
Extended information:
Interest is the use fee of money in a certain period of time, and it refers to the reward that money holders (creditors) get from borrowers (debtors) for lending money or monetary capital.
Including deposit interest, loan interest and interest generated by various bonds.
Under the capitalist system, the source of interest is the surplus value created by hired workers. The essence of interest is a special transformation form of surplus value and a part of profit.
Every enterprise needs to borrow money from the bank in the process of production and operation. How to calculate the loan interest?
Under the requirements of the new accounting standards, taking short-term loans as an example, loan interest should be recorded.
For example, an enterprise borrows money from ICBC, the amount is 654.38+0 million, the time is three months, and the interest rate is 9%. What should financial personnel do? There are several specific steps:
When obtaining a loan, you can debit the amount of 6.5438+0 million to the bank deposit account and credit the amount of 6.5438+0 million to the short-term loan account.
When interest is generated, it can be calculated or not. There are two aspects to the maturity of direct payment.
First, if the interest is excluded, the short-term borrower with the amount of 6,543,800+0,000 can credit the financial expense account with the amount of 22,500 and the bank deposit account with the amount of 6,543,800+0.225 million.
Second, if you want to calculate interest on a monthly basis, you can debit the accrued interest of the first month to the financial expense account, amounting to 750,000 yuan, and credit 750,000 yuan to the interest payable or accrued expense account. Take the first month as an example, several consecutive accounting entries are the same. When the interest on the due loan is to be repaid, the short-term loan account can be debited with an amount of 6,543,800 yuan, which is recorded as interest payable or accrued interest.
As the occupation cost of enterprises, it directly affects the economic benefits of enterprises. In order to reduce costs and improve efficiency, enterprises should do everything possible to reduce the amount of funds, and at the same time compare the costs of various financing methods in the financing process. If the enterprises in the whole society regard saving interest expenses as a common behavior mode, then the efficiency of economic growth will certainly be improved.