The loan interest rates of ICBC are 4.35 for six months (inclusive), 4.35 for six months to 1 year (inclusive), 4.75 for 1 to three years (inclusive), 4.75 for three to five years (inclusive) and 4.9 for more than five years.
The loan interest rate is changeable, and it is only a unified benchmark interest rate. All localities can go up or down according to the actual situation. Please consult the local industrial and commercial bank for specific interest rate implementation.
Extended data
ICBC loan terms
1. A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 60 years old (exclusive). Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation.
2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate.
3. The borrower has the legal business qualification and can provide the business license of individual industrial and commercial households, partnership enterprises or enterprise legal persons.
4, with a stable source of income and the ability to repay the loan principal and interest in full and on time.
5. It has a good credit record and repayment willingness, and the borrower and its business entities have no bad credit records in known financial institutions such as China Industrial and Commercial Bank.
6. Being able to provide effective and reliable loan guarantee according to the joint loan practice recognized by the lender.
7. The borrower opens a personal settlement account in China Industrial and Commercial Bank.
8. Other conditions stipulated by China Industrial and Commercial Bank.
How much is the interest on CCB's credit loan?
About 4.5%.
The credit loan interest rate of China Construction Bank is floating, and the specific interest rate changes according to market conditions. Under normal circumstances, the credit loan interest rate of CCB is around 4.5%, but the specific value of the interest rate will change due to different market conditions.
In addition, CCB's credit loan interest rate may also be affected by factors such as loan term, lender's credit status and lender's operation. Therefore, if you want to get accurate information about the interest rate of credit loans, I suggest you contact the customer service staff of CCB or consult the website or physical counter of CCB.
Credit loan interest rate?
Legal analysis: the benchmark annual interest rate of credit loans is 0-6 months (including 6 months), 4.35% for 6 months-1 year (including 1 year), 4.35% for 1-3 years (including 3 years) and 4.75% for 3-3 years. The loan interest rate needs to be comprehensively priced in combination with the borrower's qualification, the selected lending institution, the business type applied for, credit status, guarantee method and other factors, and can only be determined after approval by the handling outlets.
Legal basis: Article 37 of the Law of People's Republic of China (PRC) Commercial Bank, when granting loans, a commercial bank shall conclude a written contract with the borrower. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed. Article 38 A commercial bank shall determine the loan interest rate according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China.
What is the general interest rate of credit cooperatives?
The loan interest rate of rural credit cooperatives is based on the benchmark interest rate of central bank loans and adjusted according to the specific conditions of lenders. The lower limit is 0.9 times of the benchmark interest rate and the upper limit is 2.3 times of the benchmark interest rate. Details are as follows: 1. The commercial loan interest rate of rural credit cooperatives: 5.60% for less than 6 months (including 6 months), 6.00% for 6 months to 1 year (including 1 year), and 6.65438+ for 1 year (including 3 years). 2. Interest rate of provident fund loans of rural credit cooperatives: 4.00% within 5 years (including 5 years) and 4.50% over 5 years. Next, Bian Xiao will briefly introduce the application conditions for applying for loans from rural credit cooperatives. Information needed to apply for a loan from a rural credit cooperative 1. The applicant fills in the personal loan application form and fills in the information; 2. Carry a valid ID card or household registration book; 3. Provide a description of family property and the income certificate issued by the unit or neighborhood committee where the applicant and his spouse work; 4. The valid identity certificate and photocopy of the property owner, and other relevant materials as required.
What is the interest rate of bank credit loan?
The interest rates of credit loans in big banks are almost the same, and there will be different interest rates according to individual circumstances. The following banks with low credit loan interest rates are for reference:
1, CCB Express Loan: CCB Express Loan is also a personal credit loan product with a low interest rate, which was as low as 4.35% before, but the specific interest rate is differentiated by the system according to the borrower's credit and contribution.
2. Bank of China: China Bank E-loan credit loan, with an annual interest rate ceiling of 4.35%, and differentiated pricing is implemented according to the specific situation of the lender;
3. Agricultural Bank of China: Netjet Credit Loan. The annual interest rate of the newly signed 1 year loan is at least 4.35%~4.5%. The interest rates in different regions are different, and the pricing is different according to the qualifications of lenders.
4. Postal savings loans-privileged customers: personal credit loans issued by Postal Savings Bank, starting from 65,438+0,000 yuan, up to 200,000 yuan, with an annual interest rate of 4.35%-7.05%. Differentiated interest rates shall be adopted according to the qualifications of borrowers, subject to the interface display at the time of application.
1. At present, the benchmark interest rate for RMB loans is:
1, short-term loans: within 6 months, the interest rate is 4.35, and the interest rate is 4.35 from 6 months to 1 year (including one year);
2. Medium and long-term loans: one to three years (including three years), with an interest rate of 4.75; The interest rate is 4.75 for three to five years (including five years); The interest rate for more than five years is 4.90;
Personal credit consumption loans can rise by a certain percentage on the basis of the benchmark interest rate.
Credit loans, the interest rate is very high, generally rising by 20% or more. The credit loan interest rates of some large banks and some joint-stock commercial banks are also quite different. The annual interest rate of credit loans of some big banks can be controlled between 5% and 7%, while the interest rate of credit loans of joint-stock commercial banks is likely to be higher than 10%. The former has a lower interest rate, but it has higher requirements for credit and qualification. The latter requirements will be lower, but they are still much stricter than those of non-bank lending institutions.
Second, the calculation formula of credit loan interest rate
How to calculate interest is related to the repayment method chosen. Common repayment methods include matching principal and interest and average capital. The calculation formula is as follows:
1, equal principal and interest:
Monthly repayment amount = loan principal × [monthly interest rate ×( 1 monthly interest rate )× repayment months] pide; {[( 1 monthly interest rate) repayment months ]- 1}
Total interest = monthly repayment amount-loan months-principal
2. Average capital:
Monthly repayment amount = (loan principal/repayment months) (principal-accumulated repaid principal) × monthly interest rate.
Total interest = monthly interest rate of loan principal (loan months /20.5)
Three, apply for credit loans must meet the following conditions:
1. Applicant 18 years old or above is a natural person with full capacity for civil conduct;
2. The applicant has a fixed residence and is a permanent residence in the local town;
3. The applicant has no illegal acts and no bad records in personal credit investigation;
4. The applicant has a legitimate occupation and a stable source of income, and has the ability to repay the principal and interest of the loan on schedule;
5. The applicant can provide relevant property certificates.
How much is the interest on personal credit loan?
0.2%-2.88%
Personal credit loan is a credit loan issued by banks or other financial institutions to borrowers with good credit standing without providing guarantee. When banks apply for personal credit loans, banks have requirements for the use of loan funds.
If you borrow money through a bank, the borrower needs to provide proof or statement of the use of the funds. The general loan amount is between 6,543,800 yuan and 6,543,800 yuan, and the loan period does not exceed one year. The required information is relatively more, and the loan conditions are relatively harsh. The bank's personal credit loan interest rate fluctuates on the basis of the loan benchmark interest rate.
The interest rates of credit loans of different banks and individuals are different, and the specific interest rates are also related to factors such as the amount and duration of loans. For accurate information, please consult the selected loan bank. Under normal circumstances, the average monthly interest rate of personal credit loans is 0.8~2.88%, and the specific interest is determined by the loan time, lender qualification and lending institution.
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