According to the notice of the central bank:

Central bank loan benchmark interest rate:

(1) Short-term loan: within one year (including one year), and the adjusted interest rate is 4.35.

(2) Medium and long-term loans: the adjusted interest rate is 4.75 for one to five years (including five years); The adjusted interest rate for more than five years is 4.90.

(3) Personal housing provident fund loan: after five years (including five years), the menu adjustment interest rate is 2.75; The adjusted interest rate for more than five years is 3.25.

Agricultural Bank, the interest rate of short-term loans (within six months, including six months) is 4.35%; The loan interest rate for half a year to one year (including one year) is 4.35%. The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%.

If it is a 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%.

The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when they issue loans. It is mainly divided into three categories: the loan interest rate of the central bank to commercial banks; The loan interest rate of commercial banks to customers; Interbank lending 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.

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What's the interest rate for bank loans?

commercial loan interest rate

1. Short-term loan: within one year (including one year), 4.35%;

2. Medium and long-term loans: one to five years (including five years), 4.75%; More than five years, 4.90%;

3. Provident fund loan interest rate: less than five years (including five years), 2.75%; More than five years, 3.25%.

4. Commercial loan interest = loan amount × loan interest rate × loan term = loan amount × days × daily interest rate = loan amount × month × monthly interest rate = loan amount × year × annual interest rate.

The interest rate is determined by the following factors:

(1) interest rate first depends on the average social profit rate and changes accordingly;

(2) Under the condition of constant average profit rate, the interest rate depends on the supply and demand of loan capital in the financial market;

(3) Lending capital must bear certain risks, and the greater the risk, the higher the interest rate; (4) Inflation has a direct impact on interest rate fluctuations;

(4) Term of capital loan. Long loan term, many unforeseen factors, high risk and high interest rate; On the contrary, the interest rate is low.

What's the interest rate for commercial loans?

At present, the annual interest rate of bank loans is as follows: within half a year (including half a year), 4.85% for loans from half a year to one year (including 1 year), 4.85% for loans from one year to three years (including three years), 5.25% for loans from three years to five years (including five years), 5.25% for loans over five years and 5.40% for years. Matching principal and interest repayment method The monthly repayment amount and total interest of 20-year and 30-year mortgages are as follows: 20-year matching principal and interest repayment method: the total loan amount is 100000.00 yuan, the monthly repayment amount for 240 months is 682.25 yuan, and the total interest amount is 63740.38 yuan. Total principal and interest 163740.38 yuan, and the repayment method of equal principal and interest is 3. 0 year: total loan 100000.00 yuan, repayment months of 360 months, monthly repayment of 56 1.53 yuan, total interest paid 102 15 1.09 yuan, and total principal and interest of 202/kloc.

What is the loan interest rate of commercial banks?

1, and the loan within six months (including six months) is 4.35%. 2. The loan for six months to one year (including 1 year) is 4.35%. 3. The loan for one to three years (including three years) is 4.75%. 4. The loan for three to five years (including five years) is 4.75%. 5. The loan for more than five years is 4.90%.

What's the interest rate for bank loans?

1. What is the interest rate of bank loans in the same period?

The current bank loan interest rate is the interest rate implemented in the current year. At present, the interest rates announced by the People's Bank of China for the same period are as follows: 1. Commercial loan: 65,438+0, the loan term is within one year (including one year), and 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. The loan term is more than five years, and the interest rate is 4.90%.

2. Provident fund loan: 1, the loan term is less than five years (including five years), and the interest rate is 2.75%; 2. The loan term is more than five years and the interest rate is 3.25%.

Major commercial banks will float the above benchmark interest rate, and the specific floating ratio will be determined according to the borrower's qualification, loan type and other factors.

After the borrower knows the loan interest rate, loan term and loan amount, he can use the formula "interest = loan principal loan interest rate loan term" to calculate interest.

: 1. The interest rate of bank loans is the ratio of the interest amount to the average loan occupation in a certain period, which is called interest rate for short.

Its calculation formula is: usually expressed as monthly interest rate and annual interest rate. The relationship between monthly interest rate and annual interest rate is: monthly interest rate × 12= annual interest rate ÷ 12= monthly interest rate.

The relationship between interest and interest rate is: interest = interest rate × principal. If the money is compound interest, then: interest = principal, interest-principal. Where: principal and interest = principal ×( 1 interest rate) term; Or: interest = principal ×.

2. The benchmark interest rate of housing mortgage refers to the unified benchmark interest rate of housing mortgage announced by the People's Bank of China, that is, the highest interest rate of housing mortgage.

When the bank loan interest rate is unstable and fluctuating, the bank can take the benchmark interest rate of housing mortgage loan as the highest current interest rate of bank mortgage loan and lower it by 65,438+00% and implement it.

According to the regulations of the People's Bank of China, the mortgage interest rate of individual housing of commercial banks can be lowered by 15%, but it must be the first self-occupied housing or the first housing loan has been settled.

3. The loan interest rate involves finance and credit. Raising the loan interest rate and expanding the deposit-loan spread will increase the bank's profit, reduce the enterprise's profit and reduce the fiscal revenue; On the contrary, lowering the loan interest rate and reducing the deposit-loan spread will reduce the profits of banks and increase the profits of enterprises, thus increasing fiscal revenue.

The upper limit of loan interest rate is a maximum set by the People's Bank of China, the national financial authority, for the specific implementation standards of loan processing limit and loan ceiling.

What's the interest rate for commercial loans?

If you need to buy a house, start a business, study abroad, decorate and invest, etc. In life, you can go to the bank for a loan to solve the financial problem. As long as you meet the loan conditions of the bank, the bank will lend money and repay the principal and interest to the bank on a monthly basis after you get the loan. What's the interest rate for commercial loans?

1. What's the interest rate for commercial loans?

1. The loan interest rate is closely related to the purpose, duration, nature, policy and bank of the loan. China has a benchmark interest rate, and major banks only need to determine the loan interest rate according to different factors, that is, raise or lower the benchmark interest rate. At present, the benchmark interest rate implemented in China was adjusted and implemented on July 6, 20 12:

① The short-term loan for 6 months is 5.6%.

②6% from 6 months to 1 year.

③ 1 to 3 years is 6. 15%.

④3 to 5 years is 6.4%.

5 years or more, 6.55%.

2. Housing loan interest rate refers to the bank's comprehensive evaluation according to the credit status, collateral and national policies of the loan, and finally determines the loan interest rate. If all aspects are in good condition after evaluation, the interest rates of housing loans given by different banks will be different. When funds are tight, some banks adjust the interest rate of the first home loan to 1. 1 times and 1.05 times of the benchmark interest rate. However, the final determination of interest rate needs to be judged according to different banks, different times and different situations.

2. What materials should be provided for commercial loans?

1, identification materials: ID card, military officer's card, etc.

2. Marriage certification materials: marriage certificate, divorce certificate, one-child certificate, etc.

3. Proof of use: the new house needs a purchase contract and a down payment invoice. Second-hand housing needs the original real estate license, purchase contract, etc. Decoration loan needs to sign a contract with the decoration company.

4. Information proving personal repayment ability.

5. Other materials that need to be prepared according to the requirements of the bank.

Bian Xiao concluded: Dr. Bian Xiao shared an article for you today. What is the interest rate of commercial loans and what materials should be provided for commercial loans? I hope the article shared by Bian Xiao can help everyone.