1, state-owned banks Among all banks, the loan interest rate of state-owned banks is basically lower than other banks. Among the state-owned banks, the loan interest rates of China Construction Bank, Agricultural Bank and Industrial and Commercial Bank are at a low level. For example, the mortgage interest rate of ICBC is 5.76% for three to five years, 4.79% for Agricultural Bank of China and 6.9% for China Construction Bank. Other banks, such as Bank of Ningbo, Shanghai Bank and Huaxia Bank, generally have mortgage interest rates above 5.5% for three to five years. 2. Village Banks There are many village banks everywhere, such as bank of dalian and Chongqing Rural Commercial Bank. As locals, rural banks will give some preferential loan interest rates. And because of some preferential policies and government support, such banks will be better than other commercial banks in loan amount and loan time. If the lender wants to apply for a credit loan, the lowest loan interest rate should be China Bank, with a loan interest rate of 2.6%. Then there is ICBC's renovation loan, with equal principal and interest repayment. The longest installment is five years, and the loan interest rate is as low as 3%. Then there are joint-stock commercial banks such as Industrial Bank, Minsheng Bank and China Merchants Bank, whose monthly interest rates are basically between 6-8%. Extended data:
Loan interest refers to the reward that the lender gets from the borrower for issuing monetary funds, and it is also the price that the borrower must pay for using the funds. Both borrowers and borrowers shall collect or pay interest on schedule in accordance with the loan contract and the relevant interest-bearing provisions of the People's Bank of China. When the loan extension period plus the original term reaches the new interest rate grade, it will be charged at the new term grade interest rate from the date of extension. Penalty interest is charged for overdue loans according to regulations. How to borrow bank loans: users can apply for bank loans directly at the bank counter or through online channels. To apply for a bank loan offline, I need to bring my ID card and related application materials, fill in the loan application form at the bank, and then submit the form, ID card and application materials to the bank for review. Applying for bank loans with online loans is generally to apply for credit loans, which can be submitted as long as there is a quota. After the offline loan is approved, the user needs to sign a loan contract at the offline branch of the bank. After the online loan is passed, the bank will sign an electronic loan contract with the user, and the user does not need to sign a loan contract offline. Although they are all bank loans, the amount of offline loans is higher than online loans. Users who want to apply for large loans are more suitable to apply for offline loans from banks. To apply for a small loan, or to use money urgently, you can try to apply for a bank online loan. In addition to the different loan quotas, the speed of the two types of loans is also different, and the speed of online lending is faster than offline. Conditions of bank loan: the basic conditions of bank loan are: the applicant 18 years old, and the upper limit of loan age is generally 55 years old or 60 years old; The applicant has a stable income and can repay the loan principal and interest on time; The applicant's credit report is good and there is no bad credit record in the credit report. Meet the above basic conditions, users can apply for bank credit loans. To apply for other types of loans, you need to meet some specific conditions. For example, mortgage loans need collateral, secured loans need guarantors, and loan users need to have fixed business premises.
Second, which bank has low interest rates?
Low bank interest rate
3. Which bank has the lowest interest rate?
Party A's evidence: IOU (the borrower has a private signature-deputy manager and accountant of the company, but no official seal). Content of the loan: XXX (RMB, signed by the deputy manager and accountant). Party B's evidence: 1) The lender signs the company's signature sheet to receive interest, 2) The cashier pays the company, 3) Party A pays the money directly to the cashier (cashier), and 4) The entrustment certificate issued by the company's legal person manager (discussed with Party A by telephone in advance and ratified by the legal person afterwards); 5) Party A is a shareholder of the company (registered by the Industrial and Commercial Bureau), and has lent money to the company many times in recent years, all of which require the company's personnel to issue private IOUs, and the shareholders reflect that there is also a reserved private IOUs signed by the legal person and accountant for the first time to borrow money from the company, all of which are signed by Party A to get back the principal and interest). There are two outstanding IOUs, one of which earned high interest in the company. Now the company is: the company is a shell company, and I don't agree to lend money to private people, so I want you to write a private loan and lend it to private people all the time. Two people sign it and I will lend them money. How to repay and interest do not affect the relationship between creditor's rights and debts, but they are all private loans. Party B believes that it is entrusted by a legal person. Party A pays the money directly to the company/cashier, instead of two people (it is customary for a natural person to borrow a private loan, and the company signs interest (the company and Party A recognize each other), so borrow money for the company and ask the company for it! The question is: 1) Is it a corporate loan or a private loan? 2) After the law is passed, Party A can repay only two people, and the IOU is direct evidence! Doubt of Party B: Two people signed the IOU, but were entrusted by the legal person to sign on behalf of the company, so the trustee did not sign the contract? When signing the contract (IOU), Party A knew that it borrowed money on behalf of the company (evidence: 1, documentary evidence left by the company several years before and after receiving the interest, and principal identity certificate left by a single person or legal person for more than three years). In addition, Party A has fulfilled its payment obligations to the company and claimed rights (interest) from the company.
Fourth, the formal loan app with the lowest interest rate, these interest rates are so low that you cry?
If you have a savings card of China Merchants Bank, you can log in to China Merchants Bank's mobile banking and click Home → All → Loan → I want a loan → Try to apply for a good loan.
Loan amount: the minimum is not less than 500 yuan, and the maximum is 200,000 yuan, but the specific amount is subject to the results displayed by the system after your application is approved; Repayment method: equal repayment of principal and interest; Loan term: 3, 6, 12, 18 and 24-month installments are supported; Borrowing cost: the daily interest rate is 0.045%, please refer to the actual display in the interface; There is no platform service fee.