Commercial loan interest rate of CCB loan: the loan term is within one year (including one year), and the interest rate is 4.35%; The loan term is one to five years (including five years) and the interest rate is 4.75%; The loan term is more than five years, and the interest rate is 4.90%; Interest on provident fund loan: the loan term is less than five years (including five years), and the interest rate is 2.75%; The loan term is more than five years and the interest rate is 3.25%.

China Construction Bank (hereinafter referred to as China Construction Bank or CCB, formerly known as People's Construction Bank of China, renamed as China Construction Bank on March 26th, 1996) was established on June 5th, 954 (Wu Jianian). It is a joint-stock commercial bank and one of the top five state-owned commercial banks. The main business areas of China Construction Bank include corporate banking, personal banking and treasury business. There are 14, 12 1 2 branches in China, and branches in Hongkong, Taiwan Province Province and Melbourne, including CCB Fund, CCB Leasing, CCB Trust, CCB Life Insurance and Sino-German Housing.

1. How to calculate loan interest:

1. Calculation formula of interest: principal × annual interest rate (percentage) × deposit period; Matching principal and interest method: calculation formula: monthly repayment amount = principal * monthly interest rate *[( 1+ monthly interest rate) n/[( 1+ monthly interest rate) n- 1] where n represents the number of loan months and n represents the power of n, for example, 240 represents the power of 240.

2. Average capital method: calculation formula: monthly repayment amount = principal /n+ residual principal * monthly interest rate Total interest = principal * monthly interest rate * (loan months/2+0.5); Loan interest is generally divided into annual interest rate, monthly interest rate and daily interest rate.

3. The interest rate is expressed as a percentage, the monthly interest rate is expressed as one thousandth, and the daily interest rate is expressed as one thousandth. 6. Annual interest rate ÷ 12= monthly interest rate; Monthly interest rate ÷30= daily interest rate; Annual interest rate ÷360= daily interest rate.

2. Can I not repay without checking the credit information?

This is not good. Therefore, some borrowers are lucky and don't have to pay back. You should note that checking credit information does not mean that users do not have to pay back. In any lending institution, it is necessary to repay the loan. Small loan platforms that do not check credit information will have certain collection methods. When the borrower is overdue, the lending institution will use SMS, telephone and other methods to make dunning, and some institutions will use "address book explosion" to make dunning, which will affect the life of the borrower and friends around them. At the same time, the lender will also impose a penalty interest on the borrower. With the improvement of big data, even if the credit information is not recorded within the time limit, the information of the online lending platform will be * * *.