The quoted interest rate (LPR) of the loan market in 2020 1 October 20th is:1year LPR is 4. 15%, and the LPR over five years is 4.80%. The above LPR is valid until the next LPR version. On August 20th, 20 19, LPR ushered in the first quotation after the reform. 20 1 year LPR offers in August, September, June, June and February are 4.25%, 4.2% and 4. 15% respectively. The price of LPR over 5 years is 4.85%, 4.85%, 4.85%, 4.8% and 4.8% respectively. In 2020, the price of LPR for 1 year is 4. 15%, and the price for 5 years and above is 4.8%.

1. How is the operation?

The company earns its income by paying its lenders. Loans are mostly pledged, mortgaged and guaranteed, and the credit loan amount is low. At present, the industry average annual interest rate is around 18%, which is three times the benchmark interest rate of 6% in the same period. Among them, the average interest rate of institutions with state-owned enterprise background is low, and some even do not exceed 10%. The average interest rate of small loan companies with private enterprise background is relatively high, ranging from 15% to about 20%.

According to statistics, the company's management expenses account for 2.42% of the total loans, with the minimum value of 0. 1% and the maximum value of 14%, far below the level of more than 20% abroad. At present, our company serves small and medium-sized enterprises with a certain scale and vitality, professional farmers with considerable operational strength and urban residents with middle income or above. Pledge, guarantee and other guarantee means ensure a high repayment rate. However, foreign microfinance institutions serve low-and middle-income residents and have greater credit risk.

2. On June 65438+1 October1day, 2020, the central bank announced that in order to support the development of the real economy and reduce the actual cost of social financing, the People's Bank of China decided to reduce the deposit reserve ratio of financial institutions by 0.5 percentage points on June 65438+1October 6, 2020 (excluding financial companies and financial leasing companies). Reducing the reserve ratio will increase credit funds for banks, and for enterprises, it means that the cost of obtaining credit funds from banks will be reduced, thus achieving the purpose of economic consumption.

What is the interest rate for corporate bank loans?

The interest rates of loans executed by different banks are different. Under normal circumstances, the loan interest rates of banks and enterprises are all raised according to the benchmark interest rate of the central bank, and the floating rate of each bank is different. The specific circumstances need to be subject to the provisions of the People's Bank of China.

I. Loan interest rate:

Annual interest rate of the project (%)

I. Short-term loans

Within one year (including one year) 4.35

Second, medium and long-term loans

One to five years (including five years) 4.75

More than five years 4.90

III. Annual interest rate of provident fund loans%

Less than five years (including five years) 2.75

More than five years 3.25

According to the regulations of the People's Bank of China, the loan interest rates of various banks can float freely at present, so the loan interest rates of various loans of various banks will be different, and the interest required for loans will be more or less.

Enterprise loan conditions:

1. An enterprise must be approved by the State Administration for Industry and Commerce to be established, registered and hold a business license.

2 the implementation of independent economic accounting, independent operation of enterprises, self financing. That is, the right of enterprises to engage in production and business activities independently; Having independent operating funds, independent financial plans and financial statements; Independent accounting of profits and losses, signing foreign purchase and sale contracts.

3. Have certain self-owned funds. If an enterprise does not have certain funds of its own, once it loses money, it will inevitably crisis bank loans, especially credit funds.

4. Abide by the policies and regulations and the bank credit settlement management system, and open basic account and general deposit accounts in banks as required.

5. Profit from production and operation. The products produced and operated by enterprises must be marketable short-term products, which can bring benefits to society and enterprises and improve the utilization rate of credit funds.

6. Keep your credit. After the enterprise obtains the loan, it must also strictly fulfill the obligations stipulated in the contract.

7. An enterprise applying for a loan should also meet the following conditions: the original interest payable and the due loan have all been paid off, and the repayment plan recognized by the lender has been made for the outstanding loan; The borrower has gone through the annual inspection formalities in the industrial and commercial department; Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their total net assets; The borrower's asset-liability ratio meets the loan requirements; The ratio between the owner's equity of an enterprise as a legal person and the total investment required for new projects applying for medium and long-term loans is not less than the capital ratio of investment projects stipulated by the state.

Loan interest rate of listed companies in Shanghai

Hello, the loan interest rate of listed companies in Shanghai generally depends on the market situation and the company's credit status. The loan interest rate of listed companies in Shanghai generally ranges from 5%- 12%, and the specific interest rate can be determined according to the company's credit status and market conditions. The higher the general loan interest rate, the worse the company's credit status, and vice versa. In addition, the loan interest rate of listed companies in Shanghai is also influenced by the policies of banks and financial institutions, so the specific interest rate may change.

What is the interest rate of housing commercial loans in 2022?

Short-term loans:

Interest rate within one year (including one year): 4.35

Medium and long-term loans:

Interest rate for one to five years (including five years): 4.75; Interest rate for more than five years: 4.90

Personal housing provident fund loans:

Interest rate for less than five years (including five years): 2.75; Interest rate over five years: 3.25

Extended data:

Housing commercial loans are self-operated loans issued by banks with their credit funds. Specifically, it refers to the commercial housing loan (mortgage loan is a kind of commercial loan) that a natural person with full capacity for civil conduct applies to the bank as a loan repayment guarantee when purchasing owner-occupied housing in this city with property housing (or other guarantee methods recognized by the bank) as collateral.

Personal housing commercial loan is a kind of loan that China citizens apply to the bank for the purchase of commercial housing. According to the relevant regulations of the bank, anyone who meets one of the following two conditions can apply for loan varieties: first, residents who participate in housing savings; Second, the house seller has an agreement with the loan bank, and the real estate guarantee enterprise provides guarantee to the bank for the residents' house purchase loan.

Repayment method

Average capital method

That is, the borrower repays the loan principal and interest with the same amount every month, also known as the equal principal and interest method. It is characterized by the same principal and interest in monthly repayment, which is easy to budget, and the initial repayment pressure is reduced, but the interest in initial repayment accounts for most of the monthly repayment, and the proportion of principal in repayment is gradually increased, while the proportion of interest is gradually reduced, thus achieving a relative balance. The interest paid by this repayment method is high, but the pressure of prepayment is not great.

Average capital repayment method

That is, the borrower repays the principal in equal amount every month, and the loan interest decreases month by month with the principal, and the repayment amount also decreases month by month, so it is also called the diminishing method. Its characteristic is to repay the principal every month and calculate the interest on a daily basis according to the loan principal amount. The early repayment amount is large, and the monthly repayment amount is gradually reduced. The interest paid by this repayment method is low, but the pressure of prepayment is great.

According to the loan method, it is divided into three types: credit loan, secured loan (secured loan, mortgage loan,) and bill discount.

Credit loan refers to a loan issued with the borrower's reputation as a guarantee.

Secured loans refer to secured loans, mortgage loans and loans issued according to the Guarantee Law of People's Republic of China (PRC).

1. Guaranteed loan refers to the loan provided by the borrower as the guarantor recognized by the company. The guarantor promises to assume general guarantee liability or joint liability according to the loan contract when the borrower fails to repay the principal and interest of the loan by the guarantee method stipulated in the Guarantee Law.

2. Mortgage loan refers to the loan granted with the approval of the company with the property of the borrower or a third party as collateral and in accordance with the mortgage method stipulated in the Guarantee Law.

3. It refers to the loan issued by the company with the movable property or rights of the borrower or a third party as the pledge according to the pledge method stipulated in the Guarantee Law.

Bill discount refers to the loan issued by the company by purchasing the unexpired bank acceptance bill of the borrower.

Loan term: the loan term of a finance company is generally not more than 5 years; The longest discount period is no more than 6 months, and the discount period is from the discount date to the maturity date of the bill.

What is the general operating loan interest rate?

The operating loan interest rate fluctuates according to the benchmark interest rate of the central bank loan, and the floating ratio is based on the applicant's qualification and credit. The benchmark interest rate for central bank loans is:

1. Within one year (including one year), the interest rate is 4.35%.

2. The loan term is one to five years (including five years) and the interest rate is 4.75%.

3. If the loan term exceeds five years, the interest rate is 4.90%.

Microfinance

I. Review risks

The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links.

(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.

(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.

(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.

Second, the legal content of the pre-loan investigation

(1) Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.

(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Review whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

(3) Regarding the borrower's loan situation, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender;

(4) Regarding the guarantee, if it is a guarantee, the qualification, reputation and performance ability of the guarantor shall be investigated.

What is the corporate loan interest rate in 2020? Bank corporate loan interest rate table in 2020

The interest rate of corporate loans will fluctuate on the benchmark interest rate stipulated by the People's Bank of China, and the specific floating ratio varies from bank to bank. In 2020, the commercial loan interest rate stipulated by the People's Bank of China will be 4.35% within one year, 4.75% within one to five years, and 4.90% for loans over five years.

It is best for enterprises to consult different banks when lending, and then choose the bank with lower loan interest rate and suitable loan amount for enterprises. Low loan interest rate can make enterprises pay less interest and reduce the burden of repayment in the later period, which is very beneficial to the development of enterprises. Enterprise loans need more information, including the original and copy of the business license; Original and photocopy of organization code certificate; Original and photocopy of tax certificate; Copy of the original ID card of the legal representative; Ownership structure; The audited financial statements of the company in the past three years (including complete notes) and the financial statements of the company in the past three months. Enterprise loans generally need to prepare materials and then apply to the bank. The bank will review the materials after receiving them, and the loan can only be released after the approval. After the bank lends money, the enterprise needs to repay it on time, otherwise it will have a penalty interest and affect the credit of the enterprise.

The introduction of loan interest rate of financial companies ends here.