According to the regulations of the central bank, the benchmark interest rate of the latest one-year loan from 2065438 to August 2005 is 5.25%. Banks will raise or lower the benchmark interest rate when calculating the loan interest rate. Now that interest rates are market-oriented, banks can generally go down 10% for high-quality customers, and may go up by 20% for bad customers, basically depending on the financial situation of loan customers. Housing mortgage loan is a popular high-quality loan for banks, and it is more likely to implement the benchmark interest rate. If you follow

5.25% of the benchmark interest rate, then the annual loan interest is 200,000.

5.25%=

1.500 yuan.

If it is a mortgage loan, the annual interest rate is usually around 6%.

3. If it is a general loan, then each bank has its own interest rate, and the specific situation needs specific negotiation, which is usually higher than the mortgage interest rate.

If it is a credit loan, the interest rate will be slightly lower than that of ordinary loans. Interest = 0 in 65438+200000.

5. If it is a commercial loan, the annual interest rate is 5.56%, 1 year.

If the benchmark interest rate is 5.25%, the annual loan interest is 2,000,005.25% = 65,438+0.500 yuan.

2. If it is a mortgage loan, the annual interest rate is usually around 6%.

3. If it is a general loan, each bank has its own interest rate, and the specific situation needs specific negotiation, which is usually higher than the mortgage interest rate. If it is a credit loan, the interest rate will be slightly lower than that of a general loan. Interest rate = 200000 15. If it is a commercial loan, the annual interest rate is 5.56% 1 year, and it is not discounted.

How long does it take to mortgage the loan?

The approval time of general bank loans is about 15 days. If there is a policy change, the time may be extended to 1 month. Or the bank is short of money. At this time, loans may need to be queued, and the time will be further extended. If it has not been approved for more than 3 months, it may be that your materials or qualifications do not meet the loan conditions. In case you can't handle it, the bank will also inform you.

Generally speaking, it takes a long time for a bank loan to be approved and refinanced, at least half a month. Slow is slow, but when we apply for a loan, we mainly consider the interest problem and the reliability of the lending institution. Therefore, when lending, we should fully consider it, and fast lending is not necessarily good.

First, the lender prepares materials, such as personal work certificate, income certificate, personal credit report and so on. If it is a mortgage loan, you need to provide real estate license and land use certificate if you use real estate as collateral. If it is a car mortgage, you need to hear the driving license.

Second, the bank receives the information and examines its authenticity. After the audit, the applicant's qualification will be rated, and the applicant who meets the loan conditions will contact to sign a loan contract.

Third, after the two parties sign the loan contract through consultation, the bank will lend money, and the lender needs to repay it in full and on time every month. Usually, if it is a personal credit loan, it can be completed in one week. If it is a mortgage loan, it will take half a month to lend money. If you meet the end of the year or the end of the month, you may have to wait a long time.

How much is the interest on the bank loan?

The calculation formula of bank loan interest is: interest = principal interest rate, loan term, and the annual interest rate of bank loan is about 4.5%, so the interest of loan for 50,000 years is 50,000 times 4.5% = 2,250 yuan.

So the interest on a bank loan of 50,000 yuan a year is about 2,000 yuan, but the interest on applying for a loan in a bank is often not calculated like this. After the loan, you can apply for installment repayment, so the interest generated in each installment will be much lower.

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.

1. Money other than the principal of deposits and loans (different from "principal").

2. The abstract interest point refers to the value added when monetary funds are injected into the real economy and returned. In a less abstract sense, interest generally refers to the remuneration paid by the borrower (debtor) to the lender (creditor) for using the borrowed currency or capital. Also known as the symmetry between the sub-fund and the parent fund (principal).

The calculation formula of interest is: interest = principal × interest rate × deposit period (i.e. time).

Interest is the reward that the fund owner gets for lending the fund, which comes from a part of the profits that the producer makes by using the fund to play its operational functions. Refers to the value-added amount brought by monetary funds injected into the real economy and returned.

The calculation formula is: interest = principal × interest rate × deposit period × 100%.

3. Classification of bank interest

According to the different nature of banking business, it can be divided into bank interest receivable and bank interest payable.

Interest receivable refers to the remuneration that the bank obtains from the borrower by lending to the borrower; It is the price that the borrower must pay for using the funds; It is also part of the bank's profits.

Interest payable refers to the remuneration paid to depositors by banks to absorb their deposits; It is the price that banks must pay to absorb deposits, and it is also part of the cost of banks.

How to calculate the loan interest?

Interest = principal × interest rate × loan term; For example, if the loan is 200,000 yuan, the monthly interest rate is 0.7 1%, and the monthly interest payable is 2,000,000.71%1month = 1420.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. 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. At the same time, banks can also obtain loan interest income and increase their own accumulation.