Small and medium-sized enterprises will inevitably encounter problems, so most people will choose to apply for commercial loans from banks for business operations. When you apply for a loan, you must be most concerned about the interest rate. If the interest rate is too high, people are reluctant to choose this bank. So what are the operating loan interest rates of major banks? The following contents are inquired by Fatu Bian Xiao for you.

At present, the benchmark interest rate for one-year loans is 7.47%, and banks have different interest rate policies for personal business loans. Generally, it will be 5%- 10% higher than the benchmark interest rate. But it is also divided into customers. For high-quality customers of banks, a lower standard interest rate can be applied. However, no matter how preferential it is, the upper limit of national policy is at most 10%.

I. China Construction Bank:

Wealth link: the net value of houses is 70%, the net value of shops and offices is 60%, and the net value of factories is 50%. Caitong's loan methods include guarantee, mortgage and mortgage guarantee, which can be enlarged to 65,438+000 _, 90% of commercial loans (guarantee companies or individuals can guarantee) and 80% of factory buildings. The maximum loan is100000 yuan, and the interest rate rises by 20_. In addition, the annual fee 1.5_ is charged according to the loan term, and it is charged at one time. The longest loan is 5 years. When Fortune Connect is over 500,000 yuan, the borrower requires that the loan funds be transferred to the account of the borrower's business unit, and the borrower, business unit and handling unit shall sign the Supplementary Agreement on Supervision of Transaction Funds to ensure entrusted payment and transfer the loan funds to the counterparty account.

Auxiliary loan: the net loan value is 70%, which cannot be added. If the interest rate rises by 20_, an annual fee of 1.5_ will be charged at one time.

How much is the interest on the bank loan?

Our daily life is closely related to banks, and we can say that we are dealing with banks every day. As big as buying a car and buying a house, as small as every small expenditure, you have to deduct money from the bank. We contact the bank every day, but when it comes to the loan, we don't know the interest of the bank loan. How much money to pay back every month is what every borrower cares about. Because each bank's loan interest is different, it is necessary to do your homework in advance and understand the bank's loan interest. Then let's look at the interest rates of various bank loans.

At present, the central bank sets the interest rate as one-year benchmark interest rate of 4.35%, 1-3 years (including 3 years) of 4.75%, 3-5 years (including 5 years) of 4.75% and 5-30 years (including 30 years) of 4.90%.

At present, the benchmark interest rate of bank loans in China is set by the People's Bank of China, and then the major banks fluctuate according to the prescribed range. Among them, the floating range of commercial banks, urban credit cooperatives and other financial institutions is between 0.9%- 1.7%, which means that the central bank allows major banks to rise by 70% and fall by 10% on the basis of the benchmark interest rate. Because the interest of bank loans is calculated according to the interest rate, the interest rate and loan amount of each bank are different, and the interest is also different.

Banks always have three kinds of loans, namely mortgage loans, credit loans and commercial loans. Because the loan conditions are different, the interest rate and interest rate are different.

Mortgage loan:

1. Mortgage loan is used for business operation.

The general loan amount can be applied to 70% of the real estate appraisal value. The loan interest rate should rise by more than 20% on the basis of the benchmark interest rate of the central bank according to the bank's policies and the borrower's conditions. The loan period is generally set at 5 years.

2. Mortgage loan is used for personal consumption

If the mortgage loan is used for personal consumption, the loan interest rate can rise by 10% on the basis of the benchmark interest rate of the central bank. The assets mortgaged in this way generally have a mortgage life of 10 years.

Mortgage is used to buy a house.

If the mortgage borrower uses it to buy a house, the bank's loan interest rate is 1. 1 times the original benchmark interest rate. The loan time has also been shortened from the original 20 years to 10 years.

When handling mortgage loans, the borrower's loan period has a certain relationship with his own qualifications. If his personal credit is good and his repayment ability is strong, his loan amount will be higher.

Credit loan:

The interest of general credit loans is higher than other loan methods. Because credit loans are unsecured loans, the procedures are relatively simple and the threshold is relatively low, so the interest is higher than ordinary loans. At present, the interest rates of unsecured credit loans of major banks are floating on the basis of the central bank's benchmark interest rate, at least by 30%. Calculated by the loan for five years, the interest rate for five years is about 6. 18%. When we make a loan, we should calculate the monthly repayment amount to see if we can afford it.

If credit loans are used for personal consumption, such as tourism, daily consumption, durable goods consumption, etc., you can choose credit products with small loan amount and low interest, such as China Construction Bank and Bank of Communications. If our credit loan is used for decoration, car purchase or other consumption with large demand for funds, you can choose credit loan products with high loan amount, low interest and long loan period.

However, it should be noted that there are many factors affecting credit loans, including credit application, assets and repayment ability of loans.

Commercial loans:

Commercial loans, also known as "personal housing loans", buyers pay a down payment when buying a house, and then pay a certain amount of principal and interest to the bank every month. The annual interest rate of commercial loans is 1 year or above 4.35%, 1 to 5 years (inclusive) 4.75%, and 5 years or above 4.90%. For provident fund loans below 1 year, the tax rate is 2.75%, 1-3 years is 2.75%, 3-5 years is 2.75%, and 5 years and above is 3.25%. Affected by the policy of restricting purchases and loans, major banks have adjusted the interest rate of the first home loan to varying degrees. According to statistics, the average interest rate of the first suite is 5.38%, the interest rate generally rises by 5%-20%, the second suite rises by 10%-30%, and the interest rate of provident fund loans rises by 10%.

Generally speaking, the interest of bank loans is calculated according to the interest rate. The interest rate and loan amount of each bank are different, so the interest is different. The benchmark annual interest rate set by the central bank is 4.35%, 1-3 year interest rate is 4.75%, 3-5 year interest rate is 4.75%, and 5-30 year interest rate is 4.90%. On the basis of the benchmark interest rate, major banks fluctuate within a reasonable range, that is to say, the maximum fluctuation range is 70%, and the downward fluctuation range is 10%. The above is my answer to the bank loan interest rate, I hope it will help you.

How to calculate the interest on corporate loans?

The bank's short-term loan interest rate is generally 6-8%, especially now that it is liberalized. If it is a big enterprise, you can go further. The loan interest of different companies is different, and there are many influencing factors.

Extended data:

Loan interest refers to the reward that the lender gets from the borrower for issuing monetary funds, and it is also the price that the borrower must pay for using the funds. Bank loan interest rate refers to the ratio of interest amount to principal amount during the loan period. The interest rate of loan contracts with banks and other financial institutions as lenders can only be determined through consultation within the upper and lower interest rate limits stipulated by the People's Bank of China. If the loan interest rate is high, the repayment amount of the borrower will increase after the loan term, otherwise it will decrease. There are three factors that determine loan interest: loan amount, loan term and loan interest rate.

Loan interest settlement

Small farmers' loans from rural commercial banks will be repaid with profits. If it is a cross-year loan, the interest must be settled in one lump sum before the end of the year. The interest settlement date is 65438+ February 20th every year.

Except for small-scale farmers' loans, short-term loans (with a term of less than one year, including one year) bear interest according to the legal loan interest rate of the corresponding grade on the signing date of the loan contract. During the loan contract period, in case of interest rate adjustment, interest will not be calculated by installments.

Short-term loans are settled quarterly, and the 20th day of the last month of each quarter is the settlement date; If the interest is settled on a monthly basis, the 20th of each month is the interest settlement date. The specific interest settlement method shall be determined by the borrower and the lender through consultation. Interest that cannot be paid on schedule during the loan period shall be compounded quarterly or monthly according to the loan contract interest rate, and after loans overdue, at the default interest rate. When the last loan is paid off, the profit will be paid off with the principal.

The interest rate of medium and long-term loans (with a term of more than one year) should be fixed at one year. The loan (including all the funds that should be allocated by installments within one year from the effective date of the loan contract) bears interest according to the legal loan interest rate of the corresponding grade on the effective date of the loan contract, and the interest rate for the next year is determined according to the legal loan interest rate of the corresponding grade at that time after each full year (subject to the payment date of the first installment loan). Medium and long-term loans are settled quarterly, and the 20th of the last month of each quarter is the settlement date. The interest that cannot be paid on schedule during the loan period shall be compounded quarterly according to the contract interest rate, and after loans overdue, it shall be compounded at the default interest rate.

What is the annual interest rate of the company loan?

1. The annual interest rate of corporate loans varies from bank to bank. Under normal circumstances, the interest rate of corporate loans rises according to the benchmark interest rate of the central bank, and the floating rate of each bank is different. The details shall be subject to the audit results.

2. 1. Short-term loans:

3. One year includes one year, and the interest rate is 4.35%;

4. Medium and long-term loans:

5. One to five years inclusive, with an interest rate of 4.75%;

6. The interest rate over five years is 4.90%;

7, 3, provident fund loan interest rate, within five years (including five years) 2.75%;

8, more than five years 3.25%.