Fixed-term benchmark interest rate

1 6.3900%

2 6.5700%

3 6.5700%

4 6.7500%

5 6.7500%

6 7. 1 100%

The above is only the interest rate guided by the central bank. Commercial banks can float when lending, but the lower limit is-15%, the upper limit is +70%, and the floating range is between 0.85- 1.7 times.

Project financing involves working capital loans and fixed assets loans, mainly fixed assets loans. Generally, the term of such loans exceeds one year, and the execution interest rate fluctuates on the benchmark interest rate of the same grade of the central bank during the same period.

What is the bank's execution interest rate? It mainly depends on the situation of your company and project. The main influencing factors are: credit rating, contribution (that is, income to the bank), project scale and influence. If it is a large national project, you can generally get a benchmark interest rate or a lower interest rate; If it is a general enterprise or project, the general interest rate will rise 10-30%.

As for the preferential interest rate, the first thing depends on the bank's credit rating evaluation of your company or project. If it is higher, it can be negotiated; If it is low, it will not enter the loan threshold.

The repayment method you mentioned is generally determined according to the fund withdrawal situation predicted by the project, which needs to be negotiated between your company and the bank.