The loan interest rate of life insurance policy is about 5.8% for one year and 3% for half a year. You borrowed 654.38 million yuan, and the interest for half a year is about 3,000 yuan.

What is the loan interest of 65438+ ten thousand yuan a year?

Calculate the annual loan interest 100000 according to the loan interest rate, and the formula is:

Interest = annual interest rate of loan principal

At present, the benchmark interest rate of 1 year loan announced by the People's Bank of China is 4.35%. According to this interest rate, the annual loan interest 1000004.35%=4350 yuan.

However, the interest of other loan platforms on the market is not so low, or even illegal. Therefore, if there is a demand for funds, you should look for formal financial institutions such as banks, otherwise, the loan interest may be unaffordable.

What is the annual interest rate of the bank's formal loan of 654.38+10,000 yuan?

The bank's annual loan interest rate is not determined out of thin air. It needs to fluctuate on the latest benchmark interest rate issued by the central bank, and it should also be combined with multiple factors such as the bank's own situation and local policies. The loan interest rate of most banks will rise by about 10%-20% on the latest benchmark interest rate of the central bank.

Suppose a user applies for a loan of 654.38 million yuan in a regular bank, and the latest one-year benchmark interest rate of the central bank is 3.85%. According to the standard of increasing 10%-20%, the annual interest of users applying for 654.38 million yuan is between 4,200 yuan and 4,620 yuan.

If you borrow 654.38 million yuan from the bank for half a year, what will the interest be? Who knows? Thank you.

Different loan banks, different loan interest rates, and different interest rates. Based on the current benchmark interest rate of the central bank, the bank loan is 654.38+10,000 yuan for half a year, and the interest is 654.38+100,000× 4.35 %× 0.5 = 2175 yuan.

The benchmark interest rate of central bank loans: the interest rate of short-term loans (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%. Commercial loans are generally applied through banks, and the interest rate of commercial loans will rise relative to the benchmark interest rate of loans. Each bank has its own interest rate regulations. The specific loan interest rate needs to be comprehensively evaluated in combination with the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets.

202 1 loan interest rate of 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 and below is 2.75%, and the loan interest rate for five years and above 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 and below is 2.75%, and the loan interest rate for five years and above 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%.

How much interest does it cost to borrow 654.38 million yuan a month?

According to the benchmark interest rate of commercial loans, the current one-year loan interest rate is 5.65%, and the annual interest rate of 65,438+10,000 yuan is: 1 1,000,005.65% = 5,650 yuan.

At present, the interest rate of 10-year loan stipulated by the People's Bank of China is 5.65%. However, the bank's implementation is not exactly the same, and there may be some fluctuations.

The interest rate of 654.38 million private loans depends on the interest rate agreement. If the interest is 2 cents a month, that's 2% a month. If calculated according to the annual interest rate, it is 24% annual interest rate, and the loan is 6,543,800 yuan. The interest generated every month is 2000 yuan, and the interest generated in one year is 48000 yuan. It can be seen that the interest of private lending is still very high.