Shanghai 1 Commercial loan interest is 5%. Commercial loans amount to 2 million. The longest loan period is 12 years, and the new user loan can also reduce the interest for two periods.

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.

In Shanghai, how much is the interest for an individual to apply for a bank loan?

Shanghai applies for personal bank credit loans mainly through three types of institutions (banks, consumer finance and credit insurance companies). These three interest levels are also different, the lowest is the bank, followed by consumer finance, and the highest is the credit insurance company.

1) The general interest level of banks is between 0.29 and 0.85. Basically, the interest rate of large state-owned banks is the lowest, and ordinary commercial banks may be slightly higher;

2) The general interest of consumer finance is between 0.5- 1. 1;

3) Credit insurance companies are generally between 0.7- 1.9.

Repayment methods are divided into: interest first, then principal and equal principal and interest. Generally, the term after interest calculation is 1 year (3 years in special cases), and the term of matching principal and interest is 3-5 years.

Of course, your personal interest must depend on what organization you are applying for and your basic personal situation.

I hope the above answers are helpful to you. If you have more bank loans to know, I suggest you check them online/help you along/have a good reputation.

How much is the interest on a credit loan for one month?

The interest of personal credit loan depends on the interest rate and term of the loan. The interest rate of general personal credit loans is based on the benchmark interest rate of loans of the same grade in the same period stipulated by the People's Bank of China, but this is only a reference value and can fluctuate up and down. For example, the interest rate of credit loans of major banks usually rises by about 30% to 50% on the basis of the benchmark interest rate of central bank loans.

If you handle personal credit loan business in a bank, the interest rate of credit loan is generally around 1 1% per year, while if you choose to handle personal credit loan business in a loan company, the interest rate is usually between 18%-36%.

In addition, according to the different repayment methods, the interest to be charged for each period is also different. For example, the repayment of equal principal and interest, the monthly repayment amount of loan principal and interest = loan principal × loan monthly interest rate (1 loan monthly interest rate) /[( 1 loan monthly interest rate)-1], but the repayment of equal principal is different, and the loan principal and interest need to be repaid monthly.

Suppose the bank's one-year loan interest rate of LPR is 3.85%, then most banks will rise 10% on this basis, which becomes 4.35%. When the borrower applies for the loan interest rate, the bank will fluctuate on the basis of this 4.35% according to the borrower's personal qualification, with the maximum fluctuation range of 24%.

When applying for bank loan interest rate, borrowers need to submit some related materials to the bank, including: loan application approval form; My valid identity certificate and photocopy; Proof of address; Proof of income, bank flow; Effective contact information and telephone number; Other information required by the bank.

After meeting the loan application conditions, the borrower can apply for a credit loan. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract, and then the bank issues the loan to the borrower by transfer.

Generally speaking, the interest rate of bank credit loans will have a standard. As long as the borrower guarantees that his personal qualifications will not deteriorate, the loan interest rate he applies for will basically be within this standard range.