According to the latest loan interest rate table of China Bank in 2020, the annual interest rate within 6 months (including 6 months) is 4,6 months to 1 year (including 1 year) and the annual interest rate is 35%. The annual interest rate is 35%. It is 75% for one to three years (three to five years (inclusive), and 4.90% for more than five years. The interest rate of the 20-year loan is 4.90%, and the monthly repayment of the 20-year loan of 500,000 yuan is 3,272.22 yuan.

Bank loan application process:

1. loan application: the borrower applies for a loan from the loan bank;

2. Credit rating evaluation: the bank evaluates the credit rating of the borrower;

3. Loan investigation: banks investigate the legitimacy, safety and profitability of borrowers;

4. Loan approval: Banks should approve loans in accordance with the loan management system of batch and grading approval;

5. Signing a contract: the bank signs a loan contract with the borrower;

6. Lending: the bank lends money on schedule according to the loan contract;

7. Post-loan inspection: the bank conducts follow-up investigation to check the performance of the borrower's loan contract and the borrower's operation.

Note: The bank mainly examines two aspects of the lender: one is the credit status of the lender, and the other is the income status of the lender. The bank will check the credit status of the lender through the credit report of the Credit Information Center of the People's Bank of China. The bank will review the lender's salary income, fixed assets and family background.

Agricultural Bank Loan Interest Rate Table 202 1 Latest Interest Rate

Agricultural Bank loan interest rate table:

1. Short-term loans: 4.35% within one year (including one year).

Second, medium and long-term loans:

1, 4.75% for one to five years (including five years)

2, more than five years 4.90%

Three, personal housing provident fund loans

1, 2.75% within 5 years (inclusive)

2. More than five years? 3.25%

I. Definition: Interest rate refers to the ratio of the amount of interest to the amount of borrowed funds (principal) in a certain period of time. ? Interest rate refers to the ratio of the interest amount due in each period to the par value of the borrowed, deposited or borrowed amount (called the total principal). The total interest of the lent or borrowed amount depends on the total principal, interest rate, compound interest frequency and the length of time of lending, deposit or borrowing. Interest rate is the price that the borrower needs to pay for the money borrowed, and it is also the return that the lender gets by delaying his own consumption and lending it to the borrower. The interest rate is usually calculated by the percentage of one-year interest to the principal.

Second, the role: interest rate is the main factor that determines the capital cost of enterprises, and it is also the decisive factor for enterprises to raise funds and invest. To study the financial environment, we must pay attention to the current situation and changing trend of interest rates.

Third, for example:

The monthly interest rates announced by banks are basically expressed one year later. For example, the three-month annualized deposit rate is 2.6% (banks are listed). In fact, the actual interest rate for three months is only 0.65%, the annual interest rate is generally% (percentage), and the monthly interest rate is generally expressed as ‰ (one thousandth); The daily interest rate is expressed as a few tenths of the principal, which is usually called a few cents. If the daily interest rate is 1%, that is, the principal is 1 yuan, and the daily interest rate is 0.005438+0 yuan. (1% =0.00 1 yuan, 10 cents =0.000 1 yuan)

Calculation formula: daily interest rate _ annual interest rate ÷360= monthly interest rate ÷30. Relationship between annual interest rate and monthly interest rate: monthly interest rate = annual interest rate/12, annual interest rate = monthly interest rate 12. For example, the annual interest rate is 7.05%, which translates into a monthly interest rate of 7.05%/ 12=5.875‰ (generally, the interest rates of banks in mortgage contracts are expressed by monthly interest rates).

4. Form of expression: refers to the ratio of interest amount to total borrowed capital in a certain period. ? Interest rate is the interest level of unit currency in unit time, indicating the amount of interest. Economists have been trying to find a set of theories that can fully explain the structure and changes of interest rates. Interest rates are usually controlled by the national central bank and managed by the US Federal Reserve. So far, all countries regard interest rate as one of the important tools of macro-control. The monthly interest rate refers to the monthly interest. The monthly interest rate is expressed as a few thousandths of the principal.

What is the mortgage interest rate of China Agricultural Bank? 202 1 year.

202 1, the short-term loan interest rate of Agricultural Bank is 4.35%, the medium-term loan interest rate is 4.75%, the medium-and long-term loan interest rate is 4.9%, and the long-term loan interest rate is 3.25%. In addition, the interest rate of provident fund loans for less than five years is 2.75%.

What is the mortgage interest rate of China Agricultural Bank in June, 2022, 5438+065438+ 10?

According to the latest LPR, in 2022, the LPR of 1 year will be 4. 15%, and the LPR of 5 years and above will be 4.8%. Of course, loans of five years and above are mainly for mortgage loans, so for property buyers, they only need to pay attention to the LPR of five years, and the benchmark is 4.8%.

Although LPR may have been talked about a lot, I think it is necessary to remind you of a few points.

The same LPR, but different cities have different algorithms and different degrees of implementation.

Actual mortgage interest rate (65438+February) =5-year LPR interest rate (165438+1October).

After adding some points, the actual mortgage interest rates in various places are basically the same as the original floating interest rates: in most cities, the first set of interest rates rose slightly, the second set of interest rates fell slightly, and mortgages became slightly more expensive.

What is the personal loan interest rate of China Agricultural Bank?

The personal loan interest rate of Agricultural Bank of China fluctuates on the benchmark loan interest rate of People's Bank of China. The specific floating situation is decided by the Agricultural Bank of China according to individual qualifications. The better the qualifications, the lower the floating degree.

The benchmark interest rate is:

I. Interest rate of ordinary loans:

1, if the loan term is within 1 year (inclusive), the interest rate is 4.35%;

2. If the loan term is within 1-5 years (inclusive), the interest rate is 4.75%;

3. If the loan term exceeds 5 years, the interest rate is 4.9%.

Second, the provident fund loan interest rate:

1, if the loan term is within 1-5 years (inclusive), the interest rate is 2.75%;

2. If the loan term exceeds 5 years, the interest rate is 3.25%.