The benchmark interest rates for general commercial loans in 20 13 are as follows:
1, 5.6% in half a year;
2 or 6 6% a year
3, one year to three years 6.15%;
4, three to five years 6.4%;
5, more than five years 6.55%.
6, personal housing provident fund loans for less than five years (including five years) 4.0%; More than five years, 4.5%. Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, and no more than one year at most, but there are also a few medium-and long-term loans.
2.20 13 what is the loan interest rate of China people's bank for the same period?
The loan interest rate of China People's Bank for 20 13 years is as follows: 5.6% in 6 months, 6.00% in 6 months and 1 3 years, 6.0% in 3-5 years and 6.55% in 5 years.
The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when they issue loans. There are roughly three categories: the loan interest rate of the central bank to commercial banks; The loan interest rate of commercial banks to customers; Interbank lending rate
Extended data:
Interest calculation
(1) The interest rate conversion formula for RMB business is (note: common for deposits and loans):
1, daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷30 loan interest rate (2 sheets)
2. Monthly interest rate (‰) = annual interest rate (%)÷ 12.
(two) banks can use the product interest method and the transaction interest method to calculate interest.
1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is:
Interest = cumulative interest-bearing product × daily interest rate, where cumulative interest-bearing product = total daily balance.
2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:
If the interest-bearing period is a whole year (month), the interest-bearing formula is:
① Interest = principal × year (month )× year (month) interest rate
If the interest-bearing period is a whole year (month) and days, the interest-bearing formula is:
② Interest = principal × year (month) × year (month) interest rate principal × odd days × daily interest rate.
At the same time, banks can choose to convert all interest-bearing periods into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is as follows:
③ Interest = principal × actual days × daily interest rate