The interest income of general bank loan business belongs to value-added tax, so to speak, because it is also money, it can belong to value-added tax. The rated line of the bank lends to the user, and the user repays the principal and interest within the specified time, and the principal of the bank increases in value by earning interest. However, in order to simplify the tax collection procedure, the tax authorities accumulate the monthly income of various foreign operations and services of banks [collect agency fees, etc. ] into a total, and charge a certain percentage of tax.

So what's the interest on a bank loan for one year? Looking at the interest rate, apart from the principal, the most critical factor lies in the interest rate, which in turn depends on three aspects: the loan issuing bank, the loan object and the guarantee method. Three factors determine your interest rate level.

1) Lending banks: According to the data released by the China Banking Regulatory Commission, there are currently more than 4,000 commercial banking institutions in China. Different banks have different scales and costs, so the interest rate of lending is different. On the whole, the loan interest rate of small and medium-sized banks is generally higher because their storage costs are relatively high. However, although the loan interest rate is relatively high, the requirements for customer access will be lower than those of national banks with lower interest rates. Some customers who do not meet the access requirements of national big banks may meet in small and medium-sized banks.

2) Loan target: The loan target of commercial banks is divided into individuals and enterprises, and the qualification of the loan target is also a key factor in determining the interest rate, such as large central enterprises and newly established small and micro enterprises; A diamond customer of a bank and an ordinary customer of a bank; A customer with a good credit record and a customer with a bad credit record will definitely enjoy different loan interest rates. Generally speaking, the better the qualification of the loan object, the lower the interest rate.

3) Guarantee methods: At present, there are four main guarantee methods for bank loans: pledge (such as certificate of deposit pledge or chattel pledge), mortgage (such as car and house), guarantee (enterprise guarantee and personal guarantee) and credit (without any guarantee measures); The stronger the guarantee method, the stronger the guarantee measures, and the lower the loan interest rate you can enjoy.