The loan interest of rural commercial banks is between 0.5- 1.5. 1. Short-term loan: the loan interest rate for less than 6 months (inclusive) is 4.35%; The interest rate for the loan term of 6 months to 1 year (inclusive) is 4.35%. 2. Medium-and long-term loans: the interest rate for the loan term 1 to 3 years (inclusive) is 4.75%; The interest rate for the loan term of 3 to 5 years (inclusive) is 4.75%; The interest rate for loans over five years is 4.90%.

Personal housing provident fund loan: the loan interest rate for five years or less is 2.75%, and the loan interest rate for more than five years is 3.25%. Since 20 19 10 10, the interest rate of individual commercial housing loans has changed from the benchmark interest rate to the loan market quotation (LPR), and the loan interest rate has been adjusted accordingly. In fact, the execution interest rate of bank outlets will fluctuate, and the specific interest rate will be subject to the signing of the final contract of zui.

What is the interest rate of the first home loan of the rural commercial bank?

The annual interest rate of the first home loan is around 4%. \ mortgage to buy a house loan process: property selection; Confirm whether the real estate built by the developer has bank support to ensure the smooth acquisition of mortgage loans; , apply for a mortgage loan; Sign a house purchase contract. After examination and confirmation that the purchaser meets the conditions of mortgage loan, a loan consent notice or a mortgage loan commitment letter will be issued; , property buyers can sign the "pre-sale contract of commercial housing" with the developer or his agent; Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans; , mortgage registration, insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks; Open a special repayment account; And go through the relevant formalities, and transfer the loan to the bank supervision account opened by the developer in the bank at one time as the purchase price of the purchaser; 0. The borrower shall repay the loan regularly as stipulated in the contract.

How much is the loan interest of rural commercial banks?

Loan interest rate of rural commercial banks: within 6 months: 5.6%; 6 months-1 year: 6%; 1-3 years: 6.15%; 3-5 years: 6.4%.

The calculation formula is:

1, loan interest = loan principal loan time loan interest rate;

2, often used as annual interest rate, monthly interest rate and daily interest rate to determine the size of the reduction, the actual interest is the same;

3. If the loan time unit is days and the interest rate is years: loan interest = loan principal loan time (days) loan interest rate/360;

4. If the loan time unit is days and the interest rate is months: loan interest = loan principal loan time (days) loan interest rate/12;

Pay attention to distinguish interest rates: the percent sign is the annual interest rate, the micrometer is the monthly interest rate, and the semicolon is the daily interest rate.