Which bank has low and reliable loan interest?

Which bank has the lowest interest on credit loans?

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.

Extended data:

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.

Which bank has the lowest loan interest? What's the minimum? l

The lowest bank loan interest rate is:

Taking mortgage as an example, China Construction Bank, Agricultural Bank and Industrial and Commercial Bank have the lowest mortgage interest rates. The minimum mortgage interest rate of CCB is 3.85%. If the borrower is a credit customer of CCB, the loan interest rate may be discounted.

If it is a credit loan, the lowest loan interest rate is China Bank, and the borrower can apply for a minimum annual interest rate of 2.6%. Followed by Industrial and Commercial Bank of China and Bank of Communications, the interest rate of credit loans is also very low.

The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!

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Which bank has low interest on loans?

Introduction of the top ten bank loan products:

I. Industrial and Commercial Bank of China

Product name: Rong e-loan

Interest rate: the annual interest rate is about 7.2%, which can be lower when there are preferential activities.

Line: 600,000-800,000, which is basically equal to the credit card line.

Duration: generally 2 years, up to 5 years. Support four repayment methods: matching principal and interest, average capital, paying interest on schedule and paying principal and interest in one lump sum, and support early repayment.

Second, China Construction Bank.

Product name: quick and easy loan

Interest rate: about 6% per year.

Amount: up to 300,000 yuan.

Duration: 1 year. One-time repayment of principal and interest.

Evaluation: It is necessary to have business dealings with CCB before granting credit, mortgage, wealth management and provident fund.

Three. agricultural bank

Product Name: Online Loan Link

Interest rate: the annual interest rate is about 5%.

Amount: up to 300,000 yuan.

Duration: 1 year. One-time repayment of principal and interest.

Evaluation: The application threshold is relatively high, but there is also a chance to make a quota. Small partners who have business dealings with ABC can try it.

4. Shanghai Pudong Development Bank

Product name: integral loan

Interest rate: annualized 6.3%.

Amount: up to 300,000 yuan.

Duration: 5 years. For those who have lived for more than 1 year, they can only choose the repayment method of monthly average principal or equal principal and interest.

Evaluation: However, only provident fund loans can be used, and not all cities are open.

Verb (short for verb) Bank of China.

Product name: E loan

Interest rate: about 6% per year.

Amount: up to 300,000 yuan.

Duration: 1 year. Pay interest on a monthly basis and repay the principal when due.

Evaluation: State-owned banks are hot products with high application threshold.

6. China CITIC Bank

Product name: Yuanmengjin

Interest rate: 9% per annum.

Amount: up to 300,000 yuan.

Duration: up to 3 years. Monthly repayment, equal principal and interest.

Evaluation: The threshold is not high. The credit cards of CITIC Bank can basically be applied for, and some of them will occupy the credit card quota.

7. China CITIC Bank

Product name: New Express

Interest rate: normal annualization is about 9%, and it drops to about 6.8% during preferential activities.

Amount: up to 300,000 yuan.

Duration: up to 3 years. Monthly repayment, equal principal and interest.

Evaluation: Some will occupy the credit card limit.

8. China Everbright Bank

Product name: provident fund loan

Interest rate: about 6% per year.

Amount: up to 300,000 yuan.

Duration: up to 3 years. There are two repayment methods: matching principal and interest, and paying interest once a month.

Evaluation: To have a provident fund, not all cities are open.