During 20 16, the personal loan interest rate of China People's Bank was not adjusted. To know the current benchmark loan interest rate, please go to www.cmbchina.com, the homepage of China Merchants Bank, and click "Loan Interest Rate" on the right.
2. The bank loan interest rate ranges from 20 16 to 202 1?
1. Short-term loan: the loan interest rate for six months (inclusive) is 4.35%; The loan interest rate for six months to one year (including 1 year) is 4.35%.
2. Medium and long-term loans: the loan interest rate for one year to three years (including three years) is 4.75%; The loan interest rate for three to five years (including five years) is 4.75%; The loan interest rate for more than five years is 4.9%.
3. Provident fund loan: the loan interest rate for less than five years (including five years) is 2.75%; The loan interest rate for more than five years is 3.25%.
3. What is the loan interest rate of China Bank for the same period?
In 2002 1 year, the benchmark interest rate of bank loans in China was 1, and the annual interest rate of short-term loans within1(inclusive) was 4.35%. 2. Medium and long-term loans: 1 to 5 years (including 5 years), with an annual interest rate of 4.75%; For more than 5 years, the annual interest rate is 4.9%. 3. Personal housing provident fund loan: less than 5 years (including 5 years), with an annual interest rate of 2.75%; For more than 5 years, the annual interest rate is 3.25%. 4.lpr interest rate: 4.05% for one year. More than five years, 4.75%. Extended data:
1. What are the requirements for bank loans? 1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct; 2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule; 3. Have a good credit record and willingness to repay, and no bad credit record; 4. Being able to provide legal, effective and reliable guarantee recognized by the bank; 5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations; 6. Other conditions stipulated by the bank. 2. Meaningful banks put concentrated monetary and monetary funds out through loans to meet the needs of social expansion and reproduction for supplementary funds and promote economic development; At the same time, it can also obtain loan interest income and increase the bank's own accumulation. In China, the principle of paid use of loans is also used to promote enterprises to improve their management; Take bank credit as an important way to allocate funds and an important economic lever to regulate the economy. Supplementary information: the loan must meet its conditions before it can be carried out. Loan application conditions: 1. To have a fixed income, it depends on the salary details; 2. At least 18-65 years old; 3 loans for business or car purchase, there must be a guarantor and mortgage; 4. Good credit information. Loan application materials: 1, lender's ID card; 2. The credit information of the lender in the past six months, and the credit information is good; 3. The bank card under the lender's name has been flowing for nearly half a year without interruption; 4. The lender's residence certificate (rental contract, real estate license, water and electricity invoices for the last three months); 5. Income certificate issued by the lender's work unit; 6. Social security, insurance policies and provident fund can also be loaned on a monthly basis. If you want to borrow a higher amount, you can do mortgage loans, such as houses and cars.
Four. The interest rate of bank loans ranges from 20 19 to 202 1
China People's Bank Loan Interest Rate Table 20 19, China People's Bank Loan Interest Rate Table 202 1 latest edition.
The repayment method of short-term loans (within one year and one year) is to pay the loan interest rate for one to five years (inclusive) regularly within the loan term, and the loan interest rate for five years (inclusive) is 4.75% in the short term.
Short-term loans (annual interest rate of 4.35%, principal and interest installment method refers to a method of paying interest during the loan period. The loan interest rate for one year to five years (inclusive) is 4.75%, and the loan interest rate for one year to five years (inclusive) is 4.75%.
The interest rate of short-term loans (within one year and one year) is 4.35%. The interest rate of the medium and long-term loan hall is 4.75%.
1.20 19 The benchmark interest rate of the central bank is: the interest rate for short-term loans (within one year) is 4.35%. The medium and long-term loan interest rate is 4.75%. The loan interest rate for more than five years is 4.90%. Housing provident fund loan. The interest rate for loans with a five-year term or less is 2.75%. The loan interest rate for more than five years is 3.25%.
2. Four common calculation methods of bank loan interest: simple interest method and simple interest method mean that during the loan period, the interest is calculated only according to the loan principal on the agreed interest collection date, and the Chinese commercial banks that have not received it in the early stage all use simple interest method to calculate the loan interest. The calculation formula is: interest = loan principal × loan daily interest rate × loan days.
3. compound interest method compound interest method means that during the loan period, if interest is not received, the new interest base of the previous period will be used to calculate interest. Compound interest is commonly known as: sum of principal and interest = loan principal× (1interest rate) n power, and interest = principal× [(1interest rate) n power-1].
Bank 4 deducts the interest from the principal in advance when issuing the loan, and the borrower repays the principal and interest in installments when due. Commercial banks usually use this method when discounting commercial bills for customers. The calculation formula is: interest = loan principal (or face value) × loan days × discount date interest rate.
5. The principal and interest installment method refers to the loan term. The law is applicable to large-value projects, such as housing mortgage loans.
Within one year, including one-year short-term loans, five-year medium-term loans with the central bank's benchmark interest rate of 4.35%, and the central bank's benchmark interest rate.
The above information is about China People's Bank's latest loan interest rate table 202 1 of China People's Bank.