The latest interest rate table of commercial loan interest rate 2022 is as follows:
1. central bank: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years), and 4.75% for 3 to 5 years (including 3 years).
2. ICBC: the interest rate is 4.35% for six months (including six months), 4.35% for six months to 1 year (including 1 year), 4.75% for 1 to three years (including three years) and 4.75% for three to five years (including five years).
3. Agricultural Bank: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years) and 4.75% for 3 to 5 years (including 5 years).
4. China Construction Bank: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years), and 4 for 3 to 5 years (including 5 years).
Attention.
The calculation of loan interest is more complicated: if it is paid off in one lump sum at maturity, it is the same as the calculation of deposit interest above. At present, there are the most talked-about mortgage interest calculations, such as calculating monthly mortgage payment with annuity formula, and the calculation formula of monthly mortgage payment.
A = p {I (1I) n/[(1I) n-1]} a: monthly contribution p: total contribution, I: monthly interest rate (annual interest rate/12), n: total contribution times (.
What is the formula for calculating the interest rate of mortgage commercial loans?
I. Calculation of loan interest rate for commercial houses
1, equal principal and interest calculation formula
Calculation principle: from the beginning of monthly contribution, the bank collects the interest of the remaining principal first, and then the principal; The proportion of interest in monthly payment decreases with the decrease of residual principal, and the proportion of principal in monthly payment increases with the increase, but the total monthly payment remains unchanged.
Down payment = principal × down payment ratio
Monthly payment = monthly principal and monthly principal and interest
Monthly principal = principal/repayment months
Monthly principal and interest = principal x monthly interest rate
2. Calculation formula of average capital
The borrower distributes the principal equally every month and pays off the interest between the last repayment date and the current repayment date. Compared with the matching principal and interest, the total interest cost of this repayment method is lower, but the principal and interest paid in the early stage are more, and the repayment burden is reduced month by month.
Monthly repayment = monthly principal, monthly principal and interest
Monthly principal = principal/repayment months
Monthly principal and interest = (principal-total accumulated repayment) x monthly interest rate
Calculation principle: the amount of principal returned every month is always the same, and the interest will decrease with the decrease of the remaining principal.
Second, the legal basis
Interim Measures for the Administration of Personal Loans
Article 1 In order to standardize the personal loan business of banking financial institutions, strengthen the prudent management of personal loan business and promote the healthy development of personal loan business, these Measures are formulated in accordance with the Banking Supervision Law of the People's Republic of China, the People's Republic of China (PRC) Commercial Bank Law and other laws and regulations.
Article 2 People's Republic of China (PRC) and banking financial institutions established in China with the approval of China Banking Regulatory Commission (hereinafter referred to as lenders) shall abide by these Measures when engaging in personal loan business.
Article 3 The term "personal loans" as mentioned in these Measures refers to loans in local and foreign currencies issued by lenders to qualified natural persons for personal consumption, production and operation.
How to calculate the commercial loan interest rate
The calculation method of commercial loan interest rate is as follows:
(1) At present, the benchmark interest rate for commercial loans with a loan term of more than five years is 4.90%. Due to the policy of restricting purchases and loans, the benchmark interest rate of commercial loans with a loan term of more than five years is 4.90%, and the interest rate of the first home loan is adjusted differently by local banks.
(2) The average interest rate of the first suite in China is 5.38%, and the interest rate generally rises by 5%-20%. The interest rate of the second home loan generally rose 10%-30%. 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 borrower's family (including the borrower, spouse and minor children). If a family has used provident fund loans or commercial loans to buy a house and applies for a mortgage again, it will be regarded as a second suite.
How to calculate the formula of commercial loan?
Loan interest = loan amount, loan interest rate, loan term = loan amount, days and days, daily interest rate = loan amount, monthly interest rate = loan amount, annual interest rate.
Loan days = actual Gregorian calendar days (such as 20 12 1 to 20 1 2 May 24th, which should be1actual February days, actual March days, actual April days and actual May 24th days).
Daily interest rate = annual interest rate /360
Monthly interest rate = annual interest rate/12
Note: The benchmark loan interest rates announced by the central bank are all annual interest rates.
Extended data
There are two calculation methods:
(1) Regular interest calculation
For loans with regular interest, the 20th of the last month of each quarter is the interest settlement date, and the interest period is from 2 1 day of last quarter to 20th of last quarter.
Calculation formula = interest-bearing products × (annual loan interest rate ÷360)
(2) Interest settlement one by one
Interest settlement by transaction means that the interest will be settled together with the principal.
Loan interest = loan amount × loan days × (annual loan interest rate ÷360)