1, the annual interest rate of national debt mortgage loan is 4.35%, and the interest rate for more than five years is 4.9%.
2. Bond pledge loan refers to a loan business in which the borrower takes the unexpired bonds underwritten by China Bank as the pledge, obtains RMB loans from China Bank, and repays the principal and interest of the loans at maturity. Acceptable treasury bonds include voucher treasury bonds, book-entry treasury bonds and savings treasury bonds, which can meet the borrower's financial management and personal consumption needs or the loan fund demand for normal business activities. Users can consult the bank when using treasury bonds for mortgage loans, so as to know the specific loan conditions and loan interest rates. Generally choose banks with low loan interest rates. It should be noted that when using treasury bonds for mortgage loans, usually only about 90% of the amount of treasury bonds can be loaned.
3. Generally, the term of using the national debt loan will not exceed the maturity date of the national debt. After handling the loan, it can be repaid in advance, which can reduce interest expenses and redeem the national debt. It should be noted that the national debt used as pledge is usually voucher-type national debt. Treasury bonds are very good financial products, and many investors will choose them. Moreover, the national debt is highly safe and suitable for people of all ages to invest. The initial purchase amount is as low as 100 yuan, which requires multiple subscription of 100, and it will be issued several times a year.
4. Buying government bonds can be done at the bank counter or online. National debt can generally be divided into voucher-type national debt, electronic national debt and book-entry national debt; National debt is a creditor-debtor relationship based on national credit and in accordance with the general principles of bonds, which is formed by raising funds from the society.
5. When the national debt is redeemed in advance, the handling fee is charged at 1‰ of the redeemed principal, and the interest is calculated and paid according to the actual holding days of the investor and the corresponding interest rate grade. Since the date of purchase, if you hold one-year, three-year and five-year treasury bonds for less than half a year, you will not pay interest; Interest is calculated at 0.50% for more than half a year and less than one year; 3. 15% interest will be paid for three-year and five-year treasury bonds for one year and less than two years; Interest is calculated at 4. 14% for two years but less than three years; 5.58% interest is paid for the five-year current national debt in less than four years; Interest is calculated at 5.85% for four years but less than five years.