Bank loan interest rate table 2022 latest interest rate:
1 year LPR is 3.7%, and the LPR over five years is 4.6%. Of course, loans for more than five years are mainly for mortgages. Therefore, for property buyers, they only need to pay attention to the five-year LPR, and the benchmark is 4.6%.
Interest rates are uniformly set by the central bank and implemented by commercial banks. Deposit interest = principal interest rate term (note that the interest rate announced by the central bank is in years, and if it is deposited for half a year or in current account, it should be converted into monthly interest rate and daily interest rate).
The calculation of loan interest is more complicated: if it is paid off in one lump sum at maturity, it is the same as the calculation of deposit interest above. At present, the most talked about calculation of mortgage interest is to use the annuity formula to calculate the monthly payment. The calculation formula of monthly mortgage payment is:
A = p {I (1I) n/[(1I) n-1]} a: monthly contribution p: total contribution, I: monthly interest rate (annual interest rate/12), n: total contribution times (.
The above contents refer to Baidu Encyclopedia-Bank Loan Interest Rate.
How much is a monthly loan of 500 thousand for 20 years?
According to the latest loan interest rate table of China Bank in 2020, the annual interest rate within 6 months (including 6 months) is 4,6 months to 1 year (including 1 year) and the annual interest rate is 35%. The annual interest rate is 35%. It is 75% for one to three years (three to five years (inclusive), and 4.90% for more than five years. The interest rate of the 20-year loan is 4.90%, and the monthly repayment of the 20-year loan of 500,000 yuan is 3,272.22 yuan.
Bank loan application process:
1. loan application: the borrower applies for a loan from the loan bank;
2. Credit rating evaluation: the bank evaluates the credit rating of the borrower;
3. Loan investigation: banks investigate the legitimacy, safety and profitability of borrowers;
4. Loan approval: Banks should approve loans in accordance with the loan management system of batch and grading approval;
5. Signing a contract: the bank signs a loan contract with the borrower;
6. Lending: the bank lends money on schedule according to the loan contract;
7. Post-loan inspection: the bank conducts follow-up investigation to check the performance of the borrower's loan contract and the borrower's operation.
Note: The bank mainly examines two aspects of the lender: one is the credit status of the lender, and the other is the income status of the lender. The bank will check the credit status of the lender through the credit report of the Credit Information Center of the People's Bank of China. The bank will review the lender's salary income, fixed assets and family background.
What is the annual interest of Guangxi rural credit cooperative loan 1 10,000?
The annual interest on loans of rural credit cooperatives is 10005 yuan. The loan interest rate of rural credit cooperatives should be determined according to the location and individual loan qualifications. The lower limit is 0.9 times of the benchmark interest rate, and the maximum floating rate is 2.3 times of the benchmark interest rate, that is, the commercial loan interest rate ranges from 3.9 15% to 10.005%. Interest = interest rate × principal × years, that is, from 3.9 15% to 10.005%×65438+ ten thousand, you can get interest.
China Rural Credit Cooperative is an independent enterprise legal person and is responsible for its debts with all its assets. Its main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development. In accordance with the provisions of national laws and financial policies, organize and standardize rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and family economy, and restrict and crack down.
The question was answered on February 0, 20231.
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How much is the interest on the loan of rural credit cooperatives 100000?
Financial mentor Ayong Jr.
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Hello, rural credit cooperative loan 65438+ annual interest 6560. According to the current loan interest rate, if the loan term is from half a year to one year (inclusive), the loan is 654.38+million yuan, the annual interest rate is 6.56%, and the annual interest payable is 100000×6.56% = 6560.00 yuan.
How much interest does a ten thousand loan cost a year?
Take the latest loan interest rate of China Bank in February 20 19 as an example. The loan interest of 1 year 1000 yuan is 430 yuan.
20 19 12 the preferential interest rate for bank loans in China is 4.3%, and the loan interest 100004.3% = 430 yuan.
Extended data
The bank loan interest rate is determined by the loan contract interest rate of banks and other financial institutions as lenders, and both parties can only determine it through consultation within the upper and lower limits of interest rates stipulated by the People's Bank of China. If the loan interest rate is high, the repayment amount of the borrower will increase after the loan term, otherwise it will decrease. There are three factors that determine loan interest: loan amount, loan term and loan interest rate.
The decisive factors of bank loan interest are:
1, bank cost. Any economic activity needs cost-benefit comparison. There are two types of bank costs: borrowing costs-prepaid interest on borrowed funds; Additional cost-the cost of normal business.
2. Average profit rate. Interest is the subdivision of profit, which must be less than the profit rate, and the average profit rate is the highest limit of interest.
3. Supply and demand of loan funds. If the supply exceeds the demand, the loan interest rate will inevitably fall, and vice versa. In addition, the loan interest rate also needs to consider price changes, securities returns, political factors and so on.