What is the general interest rate for bank loans? Short-term loan: if the loan term is less than one year (including one year), the annual interest rate is 4.35%. Medium-and long-term loans: if the loan term is one to five years (including five years), the annual interest rate is 4.75%; If the loan term is more than five years, the annual interest rate is 4.90%. Provident fund loan: if the loan term is less than five years (including five years), the annual interest rate is 2.75%; If the loan term is more than five years, the annual interest rate is 3.25%. According to the regulations of the People's Bank of China, the loan interest rates of various banks can float freely at present, so the loan interest rates of various loans of various banks will be different, and the interest to be paid for loans will be more or less.

Conditions for applying for bank loan business:1natural person aged 8 to 65; The actual age of the borrower and the loan application period should not exceed 70 years old; Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule; Good credit information, no bad records, and legal use of the loan; Meet other conditions stipulated by the bank. If you meet the above conditions, you can apply for a loan business at a local bank.

Loan skills

Reasons for borrowing: In the process of applying for a loan, the lender should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.

Loan amount: The loan amount applied by the lender in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want, and they certainly don't want their loan funds to see the movement of lending within half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.

The plan of spending money in life will never keep up with the changes, and there will always be times when the capital turnover is not enough or the money is badly needed. Baidu Financial Atomic Company is a licensed company in industrial and commercial registration, Chongqing, which cooperates with licensed financial institutions such as regular banks and consumer finance companies to provide services. Those who have money to spend have a credit line of 500,000-200,000, with a minimum daily interest rate of 0.02% and an annualized interest rate of 7.2%. The actual interest rate is determined by the system according to the comprehensive situation of users. The borrower must be at least 65,438+08 years old but not over 55 years old. The loan information only needs the second-generation ID card and bank card, and students are not allowed to apply for loans.

References:

Du Xiaoman has money to spend on official website.