Not high/good
2. What is the latest interest rate of 202 1 loans of major banks?
Every bank's loan interest is different every year, but it is not set casually. Generally speaking, the bank's loan interest rate will fluctuate on the benchmark interest rate issued by the central bank. The five-year loan interest rate issued by the central bank in 202 1 is 4.65%, so the loan interest rates of all banks will fluctuate on this basis.
Under normal circumstances, the bank will increase the loan interest rate 10% on the basis of the LPR interest rate. If the user's personal qualification is average, it will increase by 15%-20%. If the user's personal qualification is not very good, it will increase by more than 20%. According to national regulations, the loan interest rate cannot exceed 36% of the LPR interest rate, and the excess is not protected by law.
In other words, the normal bank loan interest rate of 202 1 will be between 5. 1%-6.3%. If it exceeds 6.32%, it is basically an illegal interest rate and is not protected by law. Lenders can also choose targeted loan companies.
202 1 what's the normal loan interest of the bank? What are the loan interest rates of the six major banks?
202 1 what is the loan interest rate of the six major banks?
1, Industrial and Commercial Bank of China
202 1, the interest rate of ICBC's short-term loan (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%.
2. Agricultural Bank of China
202 1, the short-term loan interest rate of Agricultural Bank (within six months, including six months) is 4.35%; The loan interest rate for one year to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9%. For individual housing provident fund loans, the loan interest rate for five years or less is 2.75%, and the loan interest rate for five years or more is 3.25%.
3. China People's Bank
202 1 China RMB bank loan interest rate is 4.35% within one year (including one year), 4.75% for one to five years (including five years) and 4.9% for more than five years. For individual housing provident fund loans, the loan interest rate for five years or less is 2.75%, and the loan interest rate for five years or more is 3.25%.
4. Bank of Communications
202 1 bank of communications loan interest rate is 4.35% within one year (including one year), 4.75% for one to five years (including five years), and 4.9% for loans over five years.
5. China Construction Bank
202 1 China Construction Bank's short-term loan (within six months, including six months) has an interest rate of 4.35%; The loan interest rate for one year to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9%.
6. Postal Savings Bank
202 1, the loan interest rate of Postal Savings Bank (within six months, including six months) is 4.35%; The loan interest rate for one year to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9%.
3. Which is higher, the national student loan interest or the normal bank interest?
Compared with the normal bank interest rate, the national student loan interest rate will be higher, and the student loan interest rate shall be subject to the benchmark interest rate of RMB loans of the same period and grade announced by the People's Bank of China at the time of loan issuance. According to the cumulative interest-bearing method, the national student loan bears interest on an annual basis according to the actual number of days. The value date is the loan issuance date of Development Bank, and the interest settlement date is 65438+ February 20th every year (the interest settlement date of the last loan year is September 20th). The calculation method is as follows: interest = accumulated interest product × daily interest rate, where: daily interest rate = annual interest rate ÷360 accumulated interest product = total daily balance.
4. What is the interest on the student loan?
Calculation method of annual interest rate of student loan;
The national student loan interest rate shall be implemented in accordance with the statutory loan interest rate announced by the People's Bank of China and the relevant national interest rate policies, and shall not rise. The current annual loan interest rate is: one to three years (inclusive): 5.76%; Three to five years (inclusive): 5.85%; More than five years: 6. 12%.
If the loan is repaid in advance, the handling bank will calculate the interest according to the actual term of the loan, and will not charge any other fees except the interest payable. Interest = the annual interest rate corresponding to the loan amount /365 loan days. Simply put, you don't have to pay interest when you are still studying until you graduate within one year. Wait until the interest rate is 0.5% one year later, and then repay the loan at the bank or branch.
Assuming that the loan amount applied by the loan student is 8,000 yuan, and the annual interest rate is 4.75%, then the interest for one year is 380 yuan.
According to relevant regulations, the interest on college students' loans is determined according to the benchmark interest rate issued by the central bank. Generally speaking, the interest rate of student loans will fluctuate on the basis of the benchmark interest rate, with a maximum increase of 24%.
202 1 The student loan applied by college students, whether it is a student-origin student loan or a college student loan, only needs to be applied continuously, and the application period is generally more than 6 years. The benchmark interest rate for five-year loans of the State Bank is 4.75%. The interest rates of China Development Bank in different regions are basically the same, and there will be no ups and downs, nor will interest rates rise. The repayment method of college students' student loan is calculated on an annual basis, and the repayment time is-12-20 every year. In the first two years after graduation, college students can choose to pay only the loan interest. From the third year of graduation, college students need to repay the loan principal and interest at the same time. According to the national regulations, during the period of students' study, all the interest of subsidies is paid by financial subsidies. From September of the graduation year 1, bear the loan interest by yourself. If they don't want to pay interest, they can choose to pay it back in full.
Repayment method:
(1) before graduation, students should pay off in one lump sum or in installments.
(2) After graduation, students can look at their own movable funds to repay the loan.
(3) After the probation period expires, graduates will be deducted from their salaries month by month within two to five years.
(4) Depending on its performance, the unit where the graduates work decides to reduce or exempt the loan repayment.
5] For students who have borrowed money, if they are expelled from school, ordered to drop out of school or voluntarily dropped out of school for violating national laws and school discipline, the parents of the students are responsible for returning all the loans.