202 1, the interest rate of ICBC's short-term loan (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%.
2. Agricultural Bank of China
202 1, the short-term loan interest rate of Agricultural Bank (within six months, including six months) is 4.35%; The loan interest rate for one year to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9%. For individual housing provident fund loans, the loan interest rate for five years and below is 2.75%, and the loan interest rate for five years and above is 3.25%.
3. China People's Bank
202 1 China RMB bank loan interest rate is 4.35% within one year (including one year), 4.75% for one to five years (including five years) and 4.9% for more than five years. For individual housing provident fund loans, the loan interest rate for five years and below is 2.75%, and the loan interest rate for five years and above is 3.25%.
4. Bank of Communications
202 1 bank of communications loan interest rate is 4.35% within one year (including one year), 4.75% for one to five years (including five years), and 4.9% for loans over five years.
5. China Construction Bank
202 1 China Construction Bank's short-term loan (within six months, including six months) has an interest rate of 4.35%; The loan interest rate for one year to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9%.
6. Postal Savings Bank
202 1, the loan interest rate of Postal Savings Bank (within six months, including six months) is 4.35%; The loan interest rate for one year to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9%.
Which banks have low interest rates on consumer loans?
1. CCB Express E-loan: A consumer loan under CCB is called Express Loan, which is divided into five products: Express E-loan, Financing E-loan, Pledged E-loan, Car E-loan and Wo E-loan. Among them, Super E-loan is a loan that provides services specifically for individuals or small and micro business owners. The amount ranges from 1 0,000 yuan to 300,000 yuan, and it can be used at any time, and the principal and interest can be repaid at any time.
2. Micro-credit: Micro-credit loans launched by Weizhong Bank for QQ and WeChat users. As long as it meets the requirements after real-name authentication, it can be automatically withdrawn at any time, which is quite convenient. A single loan can be 500-40,000 yuan, with a cumulative maximum of 300,000 yuan. The daily interest rate is about 0.05%, and the annual interest rate is about 18%, which is higher than that of commercial banks.
3. ICBC's e-loan: pure credit consumer loan, with a minimum of 600 yuan and a maximum of 800,000 yuan. Users aged 65,438+08-60 can apply. You can check the specific loan interest rate through online banking, mobile banking and business outlets. The amount can be used for car purchase, home improvement, travel shopping, etc. , and apply through online and offline channels.
4. Recruit a good term loan: users who often apply for online loans should be familiar with this product. Zhaolian Finance is a joint venture between China Merchants Bank and China Unicom, which was established with the approval of China Banking Regulatory Commission. The daily interest rate of good-term loans is between 0.0290% and 0.0980%, which is related to the qualifications of borrowers. Users who need it can learn about it.
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