The interest rates of credit loans in large banks are almost the same, and the interest rates will be different according to individual circumstances. The following banks with lower credit loan interest rates can be used for reference:

1, CCB Express Loan: CCB Express Loan is also a personal credit loan product with 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: BOC E-loan credit loan, with an annual interest rate ceiling of 4.35%, and differentiated pricing 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%. Interest rates are different in different regions, and according to the qualifications of lenders, interest rates will be different.

4. Postal savings loan-exclusive customers: The initial loan amount of personal credit loan issued by Postal Savings Bank is 65,438 yuan+0,000 yuan, with a maximum of 200,000 yuan, and the annual interest rate is 4.35%-7.05%. Differentiated interest rates shall be adopted according to the qualifications of borrowers, which shall be subject to the interface display at the time of application.

Extended data:

1. The current benchmark interest rate for RMB loans is:

1, short-term loans: within 6 months, the interest rate is 4.35, and the interest rate from 6 months to 1 year (including one year) is 4.35;

2. Medium and long-term loans: one to three years (including three years), with an interest rate of 4.75; The interest rate for three to five years (including five years) is 4.75; 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.

For credit loans, the interest rate is very large, usually rising by 20% or more. There are also great differences in credit loan interest rates between some large banks and some joint-stock commercial banks. 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 lower interest rate, but higher requirements for credit and qualification. The requirements of the latter will be lower, but they are still much stricter than those of non-bank lending institutions.

Which bank has the lowest loan interest?

It is the four major banks and local support banks.

1 Four Big Banks

Among many banks, to ask which bank has the lowest interest rate, the interest rates of the four major banks are definitely lower than those of other commercial banks. According to the latest loan interest rate of 202 1, the lowest loan interest rate of the four major banks is 4.9% for five years, while the lowest loan interest rate for less than five years can reach 4.75%.

However, it should be noted that if you want to apply for loans in the four major banks, the threshold for applying for loans is still relatively high. As state-owned enterprises, the four major banks have relatively strict requirements on the qualifications of borrowers.

In addition to the personal credit information of the lender, other qualifications also need to meet the requirements of the bank.

2. Local support banks

If the lender can't apply for mortgage loans in the four major banks, then he can choose some local banks supported by policies. For example, a lender in Dalian can apply for a loan in bank of dalian. As a local, bank of dalian generally gives some preferential loan interest rates.

And with the support of policies, such banks will be superior to other commercial banks in terms of loan amount and loan time.

Generally speaking, if banks want to choose low-interest and reliable banks when applying for loans, it is definitely correct to choose the four major banks.

However, lenders also need to judge according to their own qualifications. The better their personal qualifications, the higher the loan amount they can apply for and the lower the loan interest rate they can apply for.

202 1 which bank has the lowest interest rate?

Bank of China has the lowest interest rate.

The level of loan interest depends on the lender's comprehensive personal qualifications, loan application business type, repayment method, loan application amount, loan application period and other factors. If the factors change, the loan interest will also change.

The first is the state-owned banks. Among the state-owned banks, China Bank has the lowest interest rate, followed by China Construction Bank, Agricultural Bank and Industrial and Commercial Bank. Among other state-owned banks, the mortgage interest rates of Postal Savings Bank, Industrial Bank and China Merchants Bank are generally lower than those of other banks. The data shows that in 20021year, the mortgage interest rate of the four major state-owned banks was generally around 3.85%.

If the lender wants to apply for a credit loan, the lowest loan interest rate in 202 1 should be China Bank, with a loan interest rate of 2.6%. Followed by ICBC's renovation loan, with equal principal and interest. The longest installment period is five years and the loan interest rate is as low as 3%.

After that, the loan interest rate was relatively low, that is, joint-stock commercial banks such as Industrial Bank, Minsheng Bank and China Merchants Bank, and the monthly interest rate was basically between 6% and 8%. After that, there were renovation loans from Postal Bank, China Construction Bank and Agricultural Bank, and the interest rate was also very low.

Five banks have the lowest interest rates.

1. The loan interest level needs to be determined according to the lender's comprehensive qualification, loan application business type, repayment method, loan application amount, loan application period and other factors. If these factors change, the loan interest will also change. Here, Ximingshi Cai Jun will take mortgage as an example to share with you the mortgage interest rate that stimulates the lower limbs of banks.

2. First, state-owned banks. Among them, China Bank has the lowest interest rate, followed by China Construction Bank, China Agricultural Bank and China Industrial and Commercial Bank. Among other state-owned banks, the mortgage interest rates provided by China Postal Savings Bank, Industrial Bank and China Merchants Bank are generally lower than other banks. According to the latest data, the mortgage interest rate of the four major state-owned banks in 20021year is generally around 3.85%. If banks want to apply for credit loans, the lowest loan interest rate in 20021should be China Bank, and the current loan branch interest rate of China Bank is 2.6%. After that, it is the renovation loan of ICBC, with equal principal and interest repayment, and the longest installment payment can be selected for 5 years, and the loan interest rate is as low as 3%.

3. The short-term loan interest rate of China Bank is 4.35 for less than 6 months, and 4.35 for less than 6 months 1 year. The medium and long-term loan interest rates are: 65438+4.75 for 0 years and 3 years, 4.75 for 3 years and 5 years, and 4.9 for 5 years and above. The personal housing provident fund loan interest rate is 2.75 for less than 5 years and 3.25 for more than 5 years.

4. Shenzhen Development Bank, the loan interest rate within half a year is 5.6%, and the loan interest rate from half a year to one year is 6. The medium and long-term loan interest rate 1 year to 3 years is 6. 15, 3 years to 5 years is 6.4, and 5 years is 6.55. The loan interest rate of individual housing provident fund, including the loan interest rate of less than 5 years, is the loan interest rate of 4 years and more than 5 years.

Central Bank: Short-term loans: including 6 months, with a loan interest rate of 4.35; The interest rate from 6 months to 1 year is 4.35;

Medium and long-term loans: 1-3-year (inclusive) loan interest rate is 4.75; The ratio of 3 years to 5 years is 4.75; Five years later, the interest rate is 4.9;

Personal housing provident fund loan: within 5 years, the loan interest rate is 2.75; The five-year interest rate is 3.25;