1. interest rate: the interest rate of commercial loans is usually determined by market supply and demand, risk assessment and other factors, and may be in two forms: floating interest rate and fixed interest rate.
2. Repayment method:
A. Equal repayment of principal and interest: equal repayment of principal and interest every month, which is suitable for enterprises with stable operating conditions.
B. Repayment of equal principal: Repay the same principal every month and reduce the interest part every month, which is suitable for enterprises with tight cash flow.
C. Pay interest quarterly and repay the principal at maturity: pay interest quarterly and pay off the principal in one lump sum at maturity.
D. Other repayment methods: according to the specific situation, flexible repayment methods can also be adopted, such as paying interest on a monthly basis and repaying the principal in one lump sum at maturity.
Summary:
The one-year interest rate and repayment method of enterprise loan1000000 need to be determined through consultation with financial institutions, which may be different due to various factors. The appropriate repayment method should be selected according to the business situation, repayment ability and demand of the enterprise.
Extended data:
The determination of commercial loan interest rate is usually influenced by the following factors: market interest rate, loan amount, enterprise credit rating, collateral and loan term. In China, the interest rate of commercial loans is influenced by the central bank's policies and market regulation, and financial institutions can set specific interest rates according to their own operating conditions. Enterprises should compare with a number of financial institutions when applying for loans, and make a decision after considering the repayment method and cost comprehensively.