The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%.
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development.
What's the interest rate for a large bank loan?
Under normal circumstances, according to personal circumstances, the normal interest rate is 5.3 1%, and the specific interest depends on the deposit method and time, and will change according to personal circumstances.
Interest on large loans from several representative banks. First, the Bank of China, the interest rate of large loans is three months 1.595%, six months 1.885%, one year 2. 175%, two years 3.045% and three years 3.85%.
Then China Industrial and Commercial Bank. It deposits 200,000 yuan in personal time deposit certificate, with annual interest rate of 1.595% for three months, 1.885% for six months, 2 175% for one year, 3 15% for two years and 4123 years.
Finally, the Bank of Guangzhou. For its 200,000 personal certificates of deposit, the annual interest rate should be 3.2 13% for two years, 4. 18% for three years and 4. 18% for five years.
I. Personal loan conditions:
1. At least 25 years old, with full capacity for civil conduct, and with permanent residence or valid residence certificate in China.
2. The lender must have a fixed occupation or a stable economic income, and can guarantee the ability to repay the principal and interest on schedule.
3. I have a good credit record, no bad credit record and a good credit record.
4. The borrower needs to be able to provide legal and effective guarantee recognized by the bank.
Second, personal loan matters needing attention. 1. Need to ensure a good personal credit record. Pay attention to a good credit record when opening an account in a bank to avoid bad behaviors such as overdraft and refusal to pay. If personal credit has overdue records, it is likely to be rejected by banks or lending institutions.
2. The personal debt ratio is low. The debt ratio represents the repayment ability to a certain extent. The higher the debt ratio, the weaker the repayment ability. When applying for a personal loan from a bank, the loan application will be rejected to a great extent for the sake of capital security.
You need to have a stable job. A stable job represents the ability to repay. The general standard of a bank is that an applicant must have a stable job and a reliable income in order to repay the loan. People with stable jobs have an advantage in applying for loans.
4. Reasonable loan use. There are certain restrictions on the use of personal credit loans, and credit loans should be used for consumption, so applicants need to provide relevant consumption vouchers when submitting credit loan applications to banks. Credit loans are strictly forbidden to enter the stock market, and the most important thing is that they are not allowed to be the down payment for buying a house.
Proportion and interest rate of ICBC's large deposits and loans
ICBC's interest rate for large deposits:
1. Current deposit: the annual interest rate is 0.3%.
2. Time deposit: the annual interest rate of lump-sum deposit and withdrawal for three months is1.35%; The half-yearly interest rate is1.55%; The one-year annual interest rate is1.75%; The annual interest rate for the biennium is 2.25%; The three-year and five-year annual interest rates are both 2.75%. The annual interest rate for lump-sum deposit and lump-sum withdrawal is1.35%; The annual interest rates for three years and five years are 1.55% respectively.
3. Certificate of deposit: the thirteenth certificate of deposit of ICBC (202 1), with one-year annual interest rate of 2. 1% and minimum deposit of 200,000 yuan; The fourteenth certificate of deposit with an initial deposit of 200,000 yuan has an annual interest rate of 2.7% for two years; The fourteenth certificate of deposit with an initial deposit of 200,000 yuan has an annual interest rate of 3.35% for three years. The thirteenth time deposit certificate with a minimum deposit of 300,000 yuan has an annual interest rate of 3.35% for three years.
What are the loan interest rates of the four major banks in China?
First, the four major domestic banks refer to China Industrial and Commercial Bank, China Agricultural Bank, China Construction Bank and China Bank. The interest rates of their commercial loans and provident fund loans in 2022 are the same, and the actual interest rates are as follows:
1. Short-term loans: 4.35% within six months (including six months) and 4.35% from six months to one year (including one year);
2. Medium and long-term loans: 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years;
3. Housing provident fund loans: 2.75% for less than five years (including five years) and 3.25% for more than five years.
Two. The deposit interest rates of the four major banks:
1, Bank of China: 1 annual interest rate 1.75%, 2-year interest rate 2.25%, 3-year interest rate 2.75%, 5-year interest rate 2.75%;
2. China Construction Bank: 1 annual interest rate 1.75%, 2-year interest rate 2.25%, 3-year interest rate 2.75%, 5-year interest rate 2.75%;
3. ICBC: 1 annual interest rate 1.75%, 2-year interest rate 2.25%, 3-year interest rate 2.75%, 5-year interest rate 2.75%;
4. Agricultural Bank: 1 annual interest rate 1.75%, 2-year interest rate 2.25%, 3-year interest rate 2.75%, 5-year interest rate 2.75%.
The above is the relevant content of the annual interest rates of the four major banks in 2022.
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2. What is the current loan interest rate of China Agricultural Bank?
According to the notice of the central bank:
Central bank loan benchmark interest rate:
(1) Short-term loan: within one year (including one year), and the adjusted interest rate is 4.35.
(2) Medium and long-term loans: the adjusted interest rate is 4.75 for one to five years (including five years); The adjusted interest rate for more than five years is 4.90.
(3) Personal housing provident fund loan: the adjusted interest rate is 2.75 for less than five years (including five years); The adjusted interest rate for more than five years is 3.25.
Agricultural Bank, the interest rate of short-term loans (within six months, including six months) is 4.35%; The loan interest rate for half a year to one year (including one year) is 4.35%. The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%.
If it is a provident fund loan, the loan interest rate for less than five years (including five years) is 2.75%; The loan interest rate for more than five years is 3.25%.
The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when they issue loans. It is mainly divided into three categories: the loan interest rate of the central bank to commercial banks; The loan interest rate of commercial banks to customers; Interbank lending rate
The decisive factors of bank loan interest are:
1, bank cost. Any economic activity needs cost-benefit comparison. There are two types of bank costs: borrowing costs-prepaid interest on borrowed funds; Additional cost-the cost of normal business.
2. Average profit rate. Interest is the subdivision of profit, which must be less than the profit rate, and the average profit rate is the highest limit of interest.
3. Supply and demand of loan funds. If the supply exceeds the demand, the loan interest rate will inevitably fall, and vice versa. In addition, the loan interest rate must also consider price changes, securities returns, political factors and so on.
However, some scholars believe that the upper limit of interest rate should be the marginal rate of return of funds. The factor that restricts the interest rate is regarded as the comparison between the profit growth rate of enterprises after borrowing bank loans and the loan interest rate. As long as the former is not lower than the latter, it is possible for enterprises to borrow money from banks.
Bank loan interest rate refers to the ratio of interest amount to principal amount during the loan period. Interest rates in China are managed by the Central Bank. Bank loan interest rate refers to the benchmark interest rate set by the central bank, and the actual contract interest rate can fluctuate within a certain range on the basis of the benchmark interest rate.
The loan interest rate refers to the ratio of interest amount to principal amount during the loan period. To determine the interest rate of loan contracts with banks and other financial institutions as lenders, the parties can only negotiate within the upper and lower limits of interest rates set by the central bank. If the loan interest rate is high, the repayment amount of the borrower will increase after the loan term, otherwise it will decrease.
The loan interest rate is the main basis for the parties to the loan contract to calculate the loan interest, and the loan interest rate clause is the main clause of the loan contract.
The interest rate of loan contracts with banks and other financial institutions as lenders can only be negotiated within the upper and lower limits of interest rates stipulated by the central bank. If the loan interest rate agreed by the parties is higher than the interest rate ceiling set by the People's Bank of China, the excess will be invalid; If the interest rate agreed by the parties is lower than the lower limit set by the central bank, the lowest interest rate set by the central bank shall prevail.
In addition, if the lender violates the regulations of the central bank and collects any other fees except interest, it will be punished by the central bank.
The loan interest rate is generally higher than the deposit interest rate, and the difference between them is the main source of bank profits.
Legal basis:
What is the current loan interest rate of ABC? (1) Short-term loan: within one year (including one year), and the adjusted interest rate is 4.35.
(2) Medium and long-term loans: the adjusted interest rate is 4.75 for one to five years (including five years); The adjusted interest rate for more than five years is 4.90.
(3) Personal housing provident fund loan: the adjusted interest rate is 2.75 for less than five years (including five years); The adjusted interest rate for more than five years is 3.25.
Agricultural Bank, the interest rate of short-term loans (within six months, including six months) is 4.35%; The loan interest rate for half a year to one year (including one year) is 4.35%. The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%.
Brief summary:
What is the current loan interest rate of ABC? (1) Short-term loan: within one year (including one year), and the adjusted interest rate is 4.35.
(2) Medium and long-term loans: the adjusted interest rate is 4.75 for one to five years (including five years); The adjusted interest rate for more than five years is 4.90.
(3) Personal housing provident fund loan: the adjusted interest rate is 2.75 for less than five years (including five years); The adjusted interest rate for more than five years is 3.25.
Agricultural Bank, the interest rate of short-term loans (within six months, including six months) is 4.35%; The loan interest rate for half a year to one year (including one year) is 4.35%. The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%.
3. What is the mortgage interest of the Agricultural Bank's real estate license?
Bank loan interest rate can be divided into short-term loan interest rate, medium-and long-term loan interest rate and provident fund loan interest rate according to the loan interest rate of China People's Bank in 2022. Specific analysis:
1. Short-term loan: the loan interest rate for six months (inclusive) is 4.35%; The loan interest rate for six months to one year (including 1 year) is 4.35%.
2. Medium and long-term loans: the loan interest rate for one year to three years (including three years) is 4.75%; The loan interest rate for three to five years (including five years) is 4.75%; The loan interest rate for more than five years is 4.9%.
3. Provident fund loan: the loan interest rate for less than five years (including five years) is 2.75%; The loan interest rate for more than five years is 3.25%.
The actual execution interest rate may fluctuate, subject to the actual transaction interest rate.
Application conditions
Borrower's requirements
1.1natural person aged 8-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)
2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.
3. The borrower's actual age plus the loan application period shall not exceed 70 years old.
Information to be provided by the borrower
1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.
Two copies of marriage certificate/divorce certificate or judgment/single certificate.
3 proof of income (format specified by the bank)
4. Copy of the business license of the unit (with official seal)
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
The plan of spending money in life will never keep up with changes, and there will always be times when money is not useful or urgently needed. Duman Finance, a subsidiary of the former network finance, is a licensed company in industrial and commercial registration, Chongqing, and cooperates with licensed financial institutions such as regular banks and consumer finance companies to provide services. Those who have money to spend have a credit line of 500,000-200,000, with a minimum daily interest rate of 0.02% and an annualized interest rate of 7.2%. The actual interest rate is determined by the system according to the comprehensive situation of users. The borrower must be at least 65,438+08 years old but not over 55 years old. The loan information only needs the second-generation ID card and bank card, and students are not allowed to apply for loans.