This is the benchmark interest rate of CCB's 20 14 loan:
Various loans-six months 5.60 a year 6.00 to three years 6. 15 three to five years 6.40 more than five years 6.55 provident fund loans-less than five years (including five years) 4.00 more than five years 4.50 2. What is the annualized interest rate of CCB?
1. The annual interest rate of current deposit is 0.3%.
2. The annual interest rate of lump-sum deposit and withdrawal for three months is1.35%; The half-yearly interest rate is1.55%; The one-year annual interest rate is1.75%; The annual interest rate for the biennium is 2.25%; The annual interest rate for three years is 2.75%; The five-year annual interest rate is 2.75%.
3. One-year annual interest rate for lump-sum deposit and lump-sum withdrawal, lump-sum deposit and lump-sum withdrawal and deposit interest withdrawal is1.35%; The annual interest rate for three years is1.55%; The annual interest rate for five years is 1.55%.
The interest calculation formula is: deposit interest = deposit principal × deposit interest rate × deposit term.
3. What's the interest on CCB loan?
Legal subjectivity:
Hello, the loan interest rate of China Construction Bank is as follows: According to the latest deposit and loan regulations of the central bank, the annual interest rate of loans within one year (including one year) is 5.50%, that of loans from one year to five years (including five years) is 5.653, and that of personal housing provident fund loans for less than five years (including five years) is 3.25%, and that of loans for more than five years is 3.75%. This is the bank's reference benchmark interest rate for 20 13 years. With the approval of the State Council, the People's Bank of China fully liberalized the loan interest rate control of financial institutions from July 20, 20 13, and the lower limit of loan interest rate, the upper limit of bill discount interest rate and the loans of rural credit cooperatives involved were all cancelled. So banks can be based on individuals.
Legal objectivity:
"Special Tax Adjustment" Article 107 Where the tax authorities make special tax adjustments to enterprises according to the provisions of the Income Tax Law and its implementing regulations, they shall add interest on the amount of enterprise income tax collected after the transaction on June 65438+ 10/2008. (1) The interest period starts from June 1 day following the tax year and ends on the date of tax payment (prepayment) and warehousing. (2) The interest rate is calculated by adding 5 percentage points to the benchmark interest rate of RMB loans of the People's Bank of China (hereinafter referred to as the "benchmark interest rate") implemented on February 3 1 day of the tax year to which the tax belongs, and the daily interest rate is converted into 365 days a year. (3) The enterprise is exempted from preparing relevant materials for the same period according to these Measures or the provisions of Article 15, but the interest is calculated and accrued according to the interest rate required by the tax authorities to provide other relevant materials. Item (1) of Article 1 stipulates that the compilation of data for the same period is exempted, but after investigation by the tax authorities, if the actual amount of related party transactions reaches the standard for compiling data for the same period, the tax authorities shall charge interest for overdue tax, and the provisions of Item (2) of this Article shall apply. (4) The interest charged according to the provisions of this article shall not be deducted when calculating the taxable income.
4. Interest on the loan of China Construction Bank?
1. The loan interest rate of China Construction Bank is determined according to the lender's situation with reference to the RMB loan benchmark interest rate. The general interest rate will go up 10%-30%.
2. According to the latest deposit and loan regulations of the central bank, the interest rate standard of CCB loans is: 4.35% within one year (including one year), 4.75% within one to five years (including five years) and 4.90% over five years; The interest rate of provident fund loans is 2.75% for less than five years (including five years) and 3.25% for more than five years. .
3. China Construction Bank loan conditions: First, there must be a fixed income, depending on the salary details; 2. At least 18-50 years old, before 65 years old; Three, if the loan is used for business or car purchase, there must be a guarantor and mortgagor; Four, no bad credit record, the monthly payment is not higher than 50% of the family wage income. The specific conditions will be appropriately adjusted according to the types of loans.