ICBC loan interest rate 1, short-term loan: 6 months (inclusive) 4.75; Three to five years (inclusive) 4.75; More than five years 4.92. Annual interest rate of provident fund loan%: within five years (including five years) 2.75; More than five years 3.35; Six months to one year (inclusive) 4.353. Medium and long-term loans: one to three years (inclusive) 4 Extended information:
Mortgage interest rate refers to the loan with real estate in the bank, and the interest is paid according to the interest rate stipulated by the bank. The mortgage interest rate in China is uniformly stipulated by the People's Bank of China, and all commercial banks can float within a certain range. The mortgage interest rate in China is not always constant, but often changes. The form is that interest rates have been rising, so we often compare the situation before and after raising interest rates. There are mainly the following types of loans to buy a house: the house price is 438+0. Housing provident fund loans: For residents who have already paid housing provident fund, low-interest housing provident fund loans should be the first choice when buying a house. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period. In other words, there is a spread between the mortgage interest rate of housing provident fund and the bank deposit interest rate. At the same time, housing provident fund loans will be charged in half when handling mortgage and insurance related procedures. 2. Personal housing commercial loans: The above two loan methods are limited to employees who have paid the housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing guarantee loans from commercial banks, that is, bank mortgage loans. As long as your balance in the loan bank accounts for not less than 30% of the funds needed for house purchase, and it is used as the down payment, and assets recognized by the loan bank are used as collateral or pledge, or units or individuals with sufficient compensation ability are used as guarantors to repay the principal and interest of the loan and bear joint liability, then you can apply for using the bank mortgage loan. 3. Individual housing portfolio loans: The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part should apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans. This business can be handled by the bank's real estate credit department. The interest rate of portfolio loan is moderate and the loan amount is large, so it is more chosen by lenders.
2. How to calculate ICBC mortgage interest? I got a house loan of 250,000 yuan, which was paid back in 15 years. How much is the monthly repayment? The interest rate is
The bank loan interest rate is comprehensively evaluated according to the credit status of the loan, and the loan interest rate level is determined according to the credit status, collateral and national policy (whether it is the first suite or not). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. Under the current policy, the first suite is generally calculated according to the benchmark interest rate, and the adjusted interest rate for more than five years on July 7 is 7.05%. The monthly interest rate is 7.05%/1225015 (180 months), and the monthly repayment amount is 2500007.05%/12 (17.05%//kloc-0).
3. What's the interest on industrial and commercial loans? (mortgage)
Loan interest comparison table annual interest rate (%) I. Short-term loans for six months (inclusive) 5.22 Six months to one year (inclusive) 5.58 II. Medium and long-term loans for one to three years (inclusive) 5.76 Three to five years (inclusive) 5.85 More than five years 6. 12
4. What's the interest of ICBC loan in 73,000 years?
9975 yuan. ICBC's personal business loan has a 3-year interest rate of 4.75% and a loan of 70,000 yuan from ICBC with a term of 3 years. Then, according to the interest-bearing formula: interest is equal to the principal multiplied by the interest rate and then multiplied by the term, and the known data are substituted into the formula to calculate. The interest of 70,000 yuan for three years from ICBC is 70,000 x 4.75% x3 (year) = 9975 yuan, and the total principal and interest is 79,975 yuan.