Hello, I'm glad to answer your questions:
The interest rate of one-year loans varies from bank to bank. Take the central bank as an example, the one-year loan interest rate is 4.35%. Based on the loan 1 ten thousand yuan, the annual loan interest is: 1 ten thousand yuan 4.35%=435 yuan.
1. If it is within one year (including one year), the annual interest rate of the loan is 4.35% and the annual interest is 435 yuan.
2. The annual interest rate of loans for one to five years (including five years) is 4.75%, and the annual interest is 475 yuan.
3. For more than five years, the annual interest rate of the loan is 4.90%, and the interest for one year is 490 yuan.
How much is the interest on the bank loan?
How much is the interest on the bank loan?
At present, the bank loan interest rate is determined according to the fluctuation of the benchmark loan interest rate stipulated by the People's Bank of China. Different banks and products will have different interest rates.
At present, our loan interest rate is as follows: 4.85% for loans within 6 months (including 6 months).
Loans from six months to one year (including 1 year) 4.85%
One to three years (including three years) loan 5.25%
3 to 5 years (including 5 years) loan 5.25%
Loans with a term of more than five years are 5.40%. After the promulgation of Article 5, branches can further increase the down payment ratio and interest rate of the second home loan in cities where house prices are rising too fast according to the real estate control objectives and policy requirements of the local people's government. At present, all localities are studying and formulating relevant implementation rules, which can be implemented after being formulated and reported to the head office of the People's Bank of China for approval. Consistent with previous market expectations, in some cities where house prices have risen too fast, the down payment for second-home mortgage may be raised to 70%, and the interest rate may be raised to 1.3 times.
How much is the interest on the bank loan?
At present, the bank loan interest rate is determined according to the fluctuation of the benchmark loan interest rate stipulated by the People's Bank of China. Different banks and products will have different interest rates.
At present, our loan interest rate is as follows: 4.85% for loans within 6 months (including 6 months).
Loans from six months to one year (including 1 year) 4.85%
One to three years (including three years) loan 5.25%
3 to 5 years (including 5 years) loan 5.25%
Loans with a term of more than five years are 5.40%. After the promulgation of Article 5, branches can further increase the down payment ratio and interest rate of the second home loan in cities where house prices are rising too fast according to the real estate control objectives and policy requirements of the local people's government. At present, all localities are studying and formulating relevant implementation rules, which can be implemented after being formulated and reported to the head office of the People's Bank of China for approval. Consistent with previous market expectations, in some cities where house prices have risen too fast, the down payment for second-home mortgage may be raised to 70%, and the interest rate may be raised to 1.3 times.
What is the maximum loan interest stipulated by the state?
The state stipulates that the maximum interest rate of private lending is four times the benchmark interest rate of banks, depending on the specific loan period. For example, if your loan is a one-year loan and the benchmark interest rate of the People's Bank of China is 6%, then the interest rate of private lending cannot exceed 24%, otherwise it will be illegal.
7% interest of 500,000 = 5,000,007% = 35,000 yuan, which is one year's interest.
The highest interest rate of personal loans mainly depends on two aspects. The first is what kind of loan the bank you choose has, and the second is the value of your collateral (pledge).
At this stage, all banks are controlling loans because the country has raised the reserve ratio. If you want to make personal consumption loans, it is estimated that few banks can do it, and even if you do, the interest rate is relatively high.
As for the value of collateral, if you are a real estate mortgage, the general procedure is to find an appraisal company to issue an appraisal report first, and then multiply your appraisal price by a certain proportion to calculate your loan amount.