At present, the general interest of loan companies is around 10%, depending on the regulations of each loan company.

Because the new regulation in 2020 determines that the maximum annual interest rate should not exceed 15.4%, the core spirit of this regulation is: abolishing the previous regulation that the maximum interest rate for private lending is 24%, and no longer setting the annual interest rate for voluntary natural debt at 36%, and adjusting the interest rate for private lending to not exceed four times LPR (15.4% according to the latest four times LPR).

At present, there are many lending institutions in the market with various interest rate options. For example, the bank is the largest loan company, and compared with other platforms, the interest rate is also the lowest, which is generally 4.8-6.6% for more than 5 years. The maximum interest rate shall not exceed 4 times of the bank loan interest rate in the same period, and both parties may determine it through consultation within 4 times of the bank loan interest rate in the same period.

Although the interest rate of banks is lower than that of credit companies, the procedures are complicated and the loan time is longer. Not everyone meets the requirements. Unsecured bank loans are more difficult. Although the published conditions are not very high, there are still many restrictions on the actual loan. Of course, it is best to apply for a bank. The interest rate is much lower and should be higher than the benchmark interest rate. Degree of increase, but generally not more than 50%.

The company's interest rate is high, and the interest rate is not fixed according to the requirements of each company and the conditions of borrowers. It is legal that the interest rate of a regular microfinance company is less than four times the benchmark interest rate of the central bank. For example, many small loan companies will provide professional unsecured and unsecured credit loans with a monthly interest rate of 2%. The procedures are simple, the loan amount is high and the loan speed is fast. In addition to paying interest without charge, it can increase the attractiveness of corporate loans.

You only need to provide the following information to apply:

Working people:

1, ID card

2. Labor contract or work certificate

3. Proof of address

This bank has been in operation for nearly six months.

Individual industrial and commercial households or enterprises:

1, ID card (front and back)

2 business license, tax registration certificate and organization code

3. Funds flowing to public banks or personal banks in the past six months.

4. Lease contract of business premises, and rental list for the last 2 months.

How to calculate the interest on corporate loans?

The bank's short-term loan interest rate is generally 6-8%, especially now that it is liberalized. If it is a big enterprise, you can go further. The loan interest of different companies is different, and there are many influencing factors.

Extended data:

Loan interest refers to the reward that the lender gets from the borrower for issuing monetary funds, and it is also the price that the borrower must pay for using the funds. Bank loan interest rate refers to the ratio of interest amount to principal amount during the loan period. The interest rate of loan contracts with banks and other financial institutions as lenders can only be determined through consultation within the upper and lower interest rate limits 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.

Loan interest settlement

Small farmers' loans from rural commercial banks will be repaid with profits. If it is a cross-year loan, the interest must be settled in one lump sum before the end of the year. The interest settlement date is 65438+ February 20th every year.

Except for small-scale farmers' loans, short-term loans (with a term of less than one year, including one year) bear interest according to the legal loan interest rate of the corresponding grade on the signing date of the loan contract. During the loan contract period, in case of interest rate adjustment, interest will not be calculated by installments.

Short-term loans are settled quarterly, and the 20th day of the last month of each quarter is the settlement date; If the interest is settled on a monthly basis, the 20th of each month is the interest settlement date. The specific interest settlement method shall be determined by the borrower and the lender through consultation. Interest that cannot be paid on schedule during the loan period shall be compounded quarterly or monthly according to the loan contract interest rate, and after loans overdue, at the default interest rate. When the last loan is paid off, the profit will be paid off with the principal.

The interest rate of medium and long-term loans (with a term of more than one year) should be fixed at one year. The loan (including all the funds that should be allocated by installments within one year from the effective date of the loan contract) bears interest according to the legal loan interest rate of the corresponding grade on the effective date of the loan contract, and the interest rate for the next year is determined according to the legal loan interest rate of the corresponding grade at that time after each full year (subject to the payment date of the first installment loan). Medium and long-term loans are settled quarterly, and the 20th of the last month of each quarter is the settlement date. The interest that cannot be paid on schedule during the loan period shall be compounded quarterly according to the contract interest rate, and after loans overdue, it shall be compounded at the default interest rate.

What is the general interest rate for corporate loans?

What is the general interest rate for corporate loans?

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.

20 19 The commercial loan interest rate stipulated by the People's Bank of China is 4.35% within one year, 4.75% within one to five years and 4.90% over five years.

According to the mainstream loan types, bank loans can be divided into commercial loan interest rates, automobile loan interest rates and provident fund loan interest rates. The following is a list of bank loan interest rates.

1. The loan term is less than one year (including one year), and the loan interest rate is 4.35%.

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

3. The loan term is more than five years, and the loan interest rate is 4.90%.

Personal housing loans usually use commercial loan interest rates. At present, the interest rate of commercial bank loans has gone up 10%-30%.

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Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards. Online lending is risky, so choose carefully!

What is the loan interest rate?

At present, the normal annual loan interest rate 14% to 18% is within the normal range. Although yours is a little high, it is within the normal legal range. If the annual interest rate exceeds 24% or even 36, it is absolute. Don't borrow money, the interest is high.

Annualized interest rate refers to the interest rate discounted to the whole year through the inherent rate of return of products.

On March 3, 20021March 3 1 day, the People's Bank of China issued an announcement to make relevant provisions on the annualized interest rate of loan products.

Assuming that the yield period of a wealth management product is one year and the total yield is B, then the annualized interest rate is R.

R=( 1b) minus 1.

On March 3, 20021March 3 1 day, the People's Bank of China issued an announcement to make relevant provisions on the annualized interest rate of loan products.

When marketing through websites, mobile phone applications, posters and other channels, institutions engaged in loan business should show the annualized interest rate to borrowers in an obvious way. Institutions engaged in loan business include, but are not limited to, deposit-taking financial institutions, auto finance companies, consumer finance companies, companies and Internet platforms that provide advertising or display platforms for loan business.

The annualized loan interest rate is calculated according to the ratio of all loan fees charged by the borrower to the actual loan principal, and converted into annualized form. The annualized loan interest rate can be calculated by compound interest or simple interest method: compound interest is calculated by internal rate of return; If the simple interest calculation method is adopted, it should be explained that it is simple interest.

Interest rate refers to the ratio of the amount of interest to the amount of borrowed funds (principal) in a certain period. Interest rate is the main factor that determines the capital cost of enterprises, and it is also the decisive factor for enterprises to raise funds and invest. To study the financial environment, we must pay attention to the current situation and changing trend of interest rates.

Interest rate refers to the ratio of the interest amount due in each period to the par value of the borrowed, deposited or borrowed amount (called the total principal). The total interest of the lent or borrowed amount depends on the total principal, interest rate, compound interest frequency and the length of time of lending, deposit or borrowing. Interest rate is the price that the borrower needs to pay for the money borrowed, and it is also the return that the lender gets by delaying his own consumption and lending it to the borrower. The interest rate is usually calculated by the percentage of one-year interest to the principal.

What is the annual interest rate of the company loan?

1. The annual interest rate of corporate loans varies from bank to bank. Under normal circumstances, the interest rate of corporate loans rises according to the benchmark interest rate of the central bank, and the floating rate of each bank is different. The details shall be subject to the audit results.

2. 1. Short-term loans:

3. One year includes one year, and the interest rate is 4.35%;

4. Medium and long-term loans:

5. One to five years inclusive, with an interest rate of 4.75%;

6. The interest rate over five years is 4.90%;

7, 3, provident fund loan interest rate, within five years (including five years) 2.75%;

8, more than five years 3.25%.