Question 1: Will the preferential bank loans last forever? If the bank recognizes your discount and has already made a payment, then no matter how the interest rate rises or falls, it will be discounted on the basis of the current interest rate. For example, if the basic interest rate is 6.3 1% in February and the interest rate is adjusted to 6.56% in July, it will also give you a 20% discount at the current 6.56%. One more thing, how much interest do most banks pay when they borrow money? If the interest is adjusted in that year, it will not affect your health. Generally, it will be adjusted to current interest on June 65438+1 October1. Some small banks will change with the change of bank interest. Therefore, you should consult your bank for any specific information.
Question 2: What do you mean when you borrow money? As the name implies, discount is to lower the interest rate on the basis of the current national basic interest rate. For example. A 20% discount is the base interest rate of 6. 14%.8=4.9 12%.
Question 3: What does the discount on CCB loans mean? The current five-year loan interest rate of CCB is 6.55%. If you discount 98%, the interest rate is 6.4 19%. It can save 0. 13%, and if it is 300,000 yuan, it can save 383 yuan every year.
Question 4: What do you mean by a 10% discount on the bank loan interest rate? It means 10% discount on the basis of benchmark interest rate. The benchmark interest rate is 90%
The benchmark interest rate within 6 months is 5.3%.
The benchmark interest rate within 6 months-1 year is 5.8 1%.
The benchmark interest rate for 1 -3 years is 5.85%.
The benchmark interest rate for 3 -5 years is 6.22%.
The benchmark for more than five years is 6.4%
Question 5: What does the loan discount mean? It means that the interest rate of commercial housing loans is discounted according to a certain proportion on the basis of the benchmark interest rate stipulated by the People's Bank of China. For example, at present, the benchmark interest rate for loans with a mortgage interest rate of more than five years is 6.60%. If the discount is 15%, the execution interest rate is 5.6 1%.
Question 6: What does discount on loan interest rate mean? In other words, the interest rate can be discounted. As for the discount, I don't know.
Question 7: What do you mean by many bank mortgage discounts? If you are going to apply for a personal housing loan in our bank, the actual loan interest rate you can apply for is comprehensively priced by the handling bank in combination with the business type, personal solvency, credit status, guarantee method and other factors, and can only be determined after approval.
Question 8: What bank's discount loan interest rate is first set by the state, but at the same time, the policy also says that banks can standardize their own standards in practice, so the final mortgage interest rate is still up to the banks, that is, the loan interest rate and repayment method should be determined by the buyers and banks after consultation, and developers have no right to decide.
However, it does not mean that it has nothing to do with developers. Bank loans in different places will have different interest rates according to different customers. Banks do not handle mortgage business for individuals, but only cooperate with major developers. Banks will divide developers into different grades, and developers of different grades will implement different interest rates.
Question 9: What does the intermediary mean by bank loan discount? Bank loan discount refers to the downward fluctuation of the loan interest rate for the purpose of promotion or the preferential interest rate for the first suite when using commercial loans. Generally, it will be 5-30% lower than the benchmark interest rate, which is the so-called 95% to 70% interest rate discount ~
What does the loan discount rate mean?
Question 1: What does the loan discount mean? That is to say, the interest rate of housing commercial loans is based on the benchmark interest rate stipulated by the People's Bank of China, and preferential treatment is given according to a certain proportion. For example, at present, the benchmark interest rate for loans with a mortgage interest rate of more than five years is 6.60%. If the discount is 15%, the execution interest rate is 5.6 1%.
Generally speaking, you need certain conditions to enjoy preferential mortgage interest rates. Must be the first time to buy a house, the total income of myself or my family is more than twice the monthly repayment amount of the loan, and my or my spouse's personal credit record is bad.
Question 2: What do you mean when you borrow money? As the name implies, discount is to lower the interest rate on the basis of the current national basic interest rate. For example. A 20% discount is the base interest rate of 6. 14%.8=4.9 12%.
Question 3: Will the preferential bank loans last forever? If the bank recognizes your discount and has already made a payment, then no matter how the interest rate rises or falls, it will be discounted on the basis of the current interest rate. For example, if the basic interest rate is 6.3 1% in February and the interest rate is adjusted to 6.56% in July, it will also give you a 20% discount at the current 6.56%. One more thing, how much interest do most banks pay when they borrow money? If the interest is adjusted in that year, it will not affect your health. Generally, it will be adjusted to current interest on June 65438+1 October1. Some small banks will change with the change of bank interest. Therefore, you should consult your bank for any specific information.
Question 4: What does discount on loan interest rate mean? In other words, the interest rate can be discounted. As for the discount, I don't know.
Question 5: What does the discount on CCB loans mean? The current five-year loan interest rate of CCB is 6.55%. If you discount 98%, the interest rate is 6.4 19%. It can save 0. 13%, and if it is 300,000 yuan, it can save 383 yuan every year.
Question 6: What does the loan discount mean? It means that the interest rate of commercial housing loans is discounted according to a certain proportion on the basis of the benchmark interest rate stipulated by the People's Bank of China. For example, at present, the benchmark interest rate for loans with a mortgage interest rate of more than five years is 6.60%. If the discount is 15%, the execution interest rate is 5.6 1%.
Question 7: What does the intermediary mean by bank loan discount? Bank loan discount refers to the downward fluctuation of the loan interest rate for the purpose of promotion or the preferential interest rate for the first suite when using commercial loans. Generally, it will be 5-30% lower than the benchmark interest rate, which is the so-called 95% to 70% interest rate discount ~
Question 8: What does the loan discount amount mean? Sales discount: I sold you a TV set. 1000. There is a piece of paint on the outside of the TV set, which affects the appearance, but the quality is fine. After consultation, I exempt you from 10 yuan. This is called a sales discount.
Accounting confirmation input 1000- 10=990.
Cash discount: I'll sell you a TV set at 1000 for you to pay as soon as possible. I tell you, if you pay within 30 days, you will be exempted from 10 yuan. If it is more than 30 days, it will be paid in full. This 10 yuan is a cash discount.
The income confirmed by accounting is 1000.
That's basically what it means.
Question 9: What do you mean by many bank mortgage discounts? If you are going to apply for a personal housing loan in our bank, the actual loan interest rate you can apply for is comprehensively priced by the handling bank in combination with the business type, personal solvency, credit status, guarantee method and other factors, and can only be determined after approval.
Question 10: What does the discount in the mortgage calculator mean? Some loans will have preferential or floating interest rates.
20 17 preferential policies for venture loans and their application requirements
20 17 preferential policies for venture loans and their application requirements
For many entrepreneurs, start-up capital is the biggest headache. Of course, you can't start a business without money. In order to help entrepreneurs better start their own businesses, the government has also issued a series of business loan policies to encourage and support business start-ups. The following are the preferential policies and application requirements of 20 17 venture loan that I have compiled. Welcome to read!
First, the concept of entrepreneurial secured loans
The original name of the business guarantee loan is "small secured loan", and it was renamed as "business guarantee loan" in 20 16 in response to the State Council's policy of "mass entrepreneurship and innovation". Mainly in view of the financial difficulties faced by entrepreneurs who meet the loan conditions in the process of self-employment, self-employment or partnership organization, in accordance with the relevant national employment promotion policies, it is a policy loan established by governments at all levels, guaranteed by designated guarantee institutions, issued by designated banks, and supported by the government at a certain discount.
Second, the conditions for applying for a business guarantee loan
1. The applicant must be a local registered laborer who meets the requirements of the superior, has not been employed in an institution, enterprise or institution within the legal working age, has no bad credit record, and has no other loans from commercial banks (except student loans, poverty alleviation loans and first home loans);
2. The applicant shall establish enterprises, individual industrial and commercial households (including recognized online entrepreneurship), private non-enterprises and other business entities in the local area;
3. The applicant must provide relevant certification materials in strict accordance with the conditions stipulated by the venture guarantee lending institution;
4. Other members of the borrower's family shall not apply for business guarantee loans repeatedly.
Three, the amount and duration of the business guarantee loan
The venture guarantee loan amount is 500 ~ 654.38+10,000 yuan. The specific amount shall be reasonably stipulated according to the lender's personal loan amount, number of employees and business scale. The longest term of business guarantee loan is 2 years.
Four, the interest rate and discount of business guarantee loans
The interest rate of start-up secured loans shall not rise by more than 3 percentage points on the basis of the benchmark interest rate of loans of the People's Bank of China for the same term.
Give full preferential treatment to college graduates, unemployed people, people with employment difficulties, retired soldiers, migrant workers returning home to start businesses and other personal objects that meet the policy.
Five, the process of enterprise secured loans.
Application → Audit → Training → Inspection → Guarantee → Lending → Filing → Discounting.
Six, apply for business guarantee loans to be submitted materials
(1) Henan province business guarantee loan application form (self-employed);
(2) the original and photocopy of the household registration book and ID card;
(3) Copy of business license or online business identity certificate, original and copy of business license;
(4) College graduates provide the original and photocopy of graduation certificate; Veterans provide the original and photocopy of the "Veteran Certificate"; The original and photocopy of the corresponding certification materials provided by the employment difficulties personnel with employment unemployment registration certificate or personal identity certificate;
(5) Married persons are required to provide the original and photocopy of the marriage certificate; Divorced persons provide divorce certificates or judgment documents; Widowed persons provide proof of widowhood or household register showing widowhood information; (Divorced and widowed persons need to contact their immediate family members when making loans); Unmarried people need to provide proof of unmarried and have kinship with their parents or immediate family members (note that all relatives must be within the legal working age and have the ability to work);
(6) Network entrepreneurs need to provide screenshots of the homepage of online stores and detailed screenshots of online transactions in the past 12 months;
(7) Other required materials.
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What is the mortgage interest rate of 20 17?
1 and 20 17 commercial loan interest rate: within six months, the loan interest rate is 4.35%; From half a year to one year, the loan interest rate is 4.35%; For one to three years, the loan interest rate is 4.75%; For three to five years, the loan interest rate is 4.75%; For more than five years, the loan interest rate is 4.9%.
2.20 17 provident fund loan interest rate: within six months, the interest rate is 2.75%; Six months to one year, the interest rate is 2.75%; For one to three years, the interest rate is 2.75%; For three to five years, the interest rate is 2.75%; For more than five years, the interest rate is 3.25%.
Extended data
Conditions and procedures for commercial loans
1. The conditions for commercial loans need to meet four points: ① the applicant's age 18-65 years old; (2) The applicant shall pay more than 30% of the down payment; (3) The borrower should have a stable job and can provide relevant salary certificates; (4) The applicant has good credit and meets the commercial loan standards.
2. When the borrower signs a house purchase contract with the developer, it will pay 30% of the house purchase price; Submit relevant materials to the law firm for review; After receiving the approval of legal opinions, banks sign loan contracts, mortgage contracts and guarantee contracts with buyers.
3, according to the data for mortgage registration, home insurance, contract notarization procedures, and lending. The borrower repays the loan by equal repayment. For the outstanding loan principal, the borrower can repay it in one lump sum, and interest will still be charged in the current period of prepayment, and no penalty will be charged.