The loan interest rate (new interest rate) with a term exceeding 1. 10 years is 4.9% (annual interest rate).
23,000 yuan loan 10 year interest is124,740 yuan.
300,000× 4.9 %×10 =147,000 yuan.
The interest rate is implemented by commercial banks according to the benchmark interest rate of central bank loans. Generally, the one-year interest rate is 4.35%, the one-to-five-year interest rate is 4.75%, and the interest rate over five years is 4.90%.
Extended data
List of the latest bank interest rates and the latest bank deposit and loan interest rates in October and August, 2002/KLOC.
The latest benchmark interest rate for deposits and loans in 20021August: the latest bank interest rate in 20021August and the latest bank deposit and loan interest rate adjustment list. The Bank Information Port has learned that the People's Bank of China has decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from August 24th, 20 15, so as to further reduce the financing costs of enterprises.
Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to 1.5%.
The People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from August 24, 2005 to further reduce the social financing costs. Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to1.5%; The benchmark interest rates of other grades of loans and deposits and the lending rates of the People's Bank of China to financial institutions shall be adjusted accordingly; The interest rate of individual housing provident fund loans remains unchanged. At the same time, commercial banks and rural cooperative financial institutions are no longer required to set a floating ceiling on deposit interest rates, improve the formation and regulation mechanism of interest rate marketization, strengthen the regulation, supervision and guidance of the central bank on the interest rate system, and improve the transmission efficiency of monetary policy.
How to determine the interest rate of bank loans? What's the interest rate for a ten-year bank loan?
With the development of economy and the improvement of people's consumption concept, loans are becoming more and more popular, and people pay more attention to the interest rate of bank loans. Then, how to determine the bank loan interest rate? What's the interest rate for a ten-year bank loan?
How to determine the interest rate of bank loans?
Bank loan interest rate refers to the ratio of interest amount to principal amount during the loan period. The interest rate in China is managed by the People's Bank of China.
The bank loan interest rate refers to the benchmark interest rate set by the People's Bank of China, and the actual contract interest rate can fluctuate within a certain range on the basis of the benchmark interest rate. The interest rate of loan contracts with banks and other financial institutions as lenders can only be determined through consultation within the upper and lower interest rate limits stipulated by the People's Bank of China. If the loan interest rate is high, the repayment amount of the borrower will increase after the loan term, otherwise it will decrease. Among them, the floating basis is as follows:
(1) is conducive to highlighting the credit policy and business characteristics of China Bank. Preferential interest rates are given to foreign trade enterprises, foreign-funded enterprises, foreign affairs enterprises, large and medium-sized export production enterprises and high-tech production enterprises with good benefits.
(2) It is conducive to the development of related businesses of Chinese banks. In terms of interest rate standards, we can give appropriate care to the loans of our basic customers, temporary loans of customers whose deposits exceed loans, and loans of customers who handle import and export settlement business and intermediary business in our bank.
(3) It is conducive to improving the cost-effectiveness of credit funds and improving the ratio of assets to liabilities and its cost structure. The floating range of loan interest rate should refer to the bearing capacity of comprehensive capital cost of banks. The total amount of low-cost sources restricts the total amount of interest rate downward loans, while the total amount of high-cost sources determines the total amount of interest rate upward loans. The interest rate structure of the source of funds should adapt to the interest rate structure of the use of funds.
(4) It is conducive to the risk management of credit assets. In principle, low-risk loans are subject to low interest rates and high-risk loans are subject to high interest rates. For enterprises whose own funds are not up to a reasonable proportion, or whose own funds are not supplemented according to regulations, and their credit rating is low, interest rates should be used to promote them to improve their management and economic benefits.
What's the interest rate for a ten-year bank loan?
General bank interest rates are as follows:
(1) The interest rate of short-term loans with a loan period of less than one year is 4.35%.
(2) The medium and long-term loan interest rate is 4.75% for one to three years, 4.75% for three to five years, and 4.9% for more than five years.
(3) For those who apply for provident fund loans, the loan interest rate is 2.75% for less than five years and 3.25% for more than five years.
How to determine the interest rate of bank loans? What's the interest rate for a ten-year bank loan? In view of these two problems, this paper briefly introduces the above contents, hoping to help everyone.
How much is the interest on a bank loan of 500 thousand for ten years
Total interest: 133464.37. The loan principal is 500,000 yuan, and the term is 65,438+00 years. According to the benchmark annual interest rate of the People's Bank of China for loans over five years (unchanged), the repayment of principal and interest is equal, with a monthly repayment of 5278.87, a total repayment of 633,464.37 and a total interest of 65,438+033,464.37.
Extended data:
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.
Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Review whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.
Matching principal and interest refers to a loan repayment method, that is, repaying the same amount of loans (including principal and interest) every month during the repayment period. Equal principal and interest and average capital are not the same concept. Although the monthly repayment amount may be lower than that in average capital at the beginning, the interest paid in the end will be higher than that in average capital, which is also a method often used by banks.
The repayment method is to add up the total principal and interest of the mortgage loan, and then distribute it evenly to each month of the repayment period. The monthly repayment amount is fixed, but the proportion of principal in the monthly repayment amount increases month by month, and the proportion of interest decreases month by month. This method is the most common and recommended by most banks for a long time.
The average capital repayment method means that the borrower repays the loan principal with the same amount (loan amount/loan months) every month, calculates the loan interest according to the remaining loan principal at the beginning of the month, and settles it every month, and the sum of the two is the monthly repayment amount.
What is the annual mortgage interest rate 10?
The annual interest rate of mortgage 10 is generally 4.9%. According to the standards of the People's Bank of China, the benchmark interest rate for commercial loans over five years is 4.9%, and the interest rate for provident fund loans over five years is 3.75%. For example, the loan interest rate is 4.9%, the loan amount is 100000 yuan, the loan term is 10 year, the total interest is 49000 yuan, and the monthly payment is 124 1.67.
Of course, the bank's mortgage interest rate can fluctuate about 20% on the basis of the central bank's benchmark interest rate, and the specific interest rate is subject to the bank's regulations.
What was the interest rate of bank loans ten years ago?
Ten years ago, it was 20 13, and the loan interest rate was:
1, the loan term is within 6 months (inclusive), and the interest rate is 5.6%;
2. The loan term is 6 months to 1 year (inclusive), and the interest rate is 6%;
3. The loan term is 1 to 3 years (inclusive) and the interest rate is 6.15%;
4. The loan term is 3 to 5 years (inclusive) and the interest rate is 6.4%;
5. The loan term is more than 5 years and the interest rate is 6.55%.
What is the annual interest of bank loan 65438+10000010?
At present, you want to apply for a loan of 654.38+00 yuan from the bank, and the loan interest is 26,692.87 yuan. At present, the loan interest rate of 10 stipulated by the People's Bank of China is 5.65%, but it is not exactly the same among banks, and may fluctuate up and down.
Take ICBC as an example: in March 2005 1, 2065438, the interest rate of ICBC's five-year loan was 5.65%. If you repay the loan monthly, there are two repayment methods: one is equal principal and interest, and the other is equal principal repayment. Choose different repayment methods, and the interest generated will be different! Calculation formula of equal principal and interest: [loan principal × monthly interest rate ×( 1 monthly interest rate) repayment months ]=[( 1 monthly interest rate) repayment months-1] average fund calculation formula: monthly repayment amount = (loan principal ÷ repayment months) (principal-accumulated repaid principal
At present, the loan interest rate of 10 stipulated by the People's Bank of China is 5.65%, but it is not exactly the same among banks, and may fluctuate up and down.
Take ICBC as an example: in March 2065438 1 day, the five-year loan interest rate of ICBC was 5.65%.
If the loan is repaid on a monthly basis
If you repay the loan monthly, there are two repayment methods: one is equal principal and interest, and the other is equal principal repayment. If you choose different repayment methods, the interest generated will be different.
Calculation formula of equal principal and interest: [loan principal × monthly interest rate ×( 1 interest rate )× repayment months ]⊙[( 1 interest rate )× repayment months]
Average capital calculation formula:
Monthly repayment amount = (loan principal ÷ repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate.
Private loan interest rate-%.
The common unit of private lending is "Li", which means several thousandths. For example, 3% interest is 0.3%, and interest is calculated by time. Before calculation, it is necessary to distinguish whether it is day, month or year.
For example, Zhang San borrowed 1 0,000 yuan from Li Si, saying that he would pay 5% daily interest and borrow 1 month.
So Li Si means to borrow 1 000 yuan from Zhang San and give Zhang San 0.5% daily interest. 1 month later, he will add interest to Zhang San's principal, 1.500 yuan.
Now I have borrowed 654.38 million yuan from the bank. How much interest should I pay a year?
Look for the bank that you borrowed from first, and then look for the loan interest rate of each bank.
Simple and rough estimation of the principal interest rate period = one year interest.
Take the following table as an example: principal 100000, and the interest rate of the loan for one to three years is 6.65%. 1 year =6650. Interest payable for one year.
However, in fact, you must determine the repayment method of the loan signed by the bank and the selected interest rate method. For example, what kind of interest rate terms will be used to repay the loan according to the contract or not amortize the principal at the initial stage, and the conditions will affect the interest rate link that they allow you to borrow.
The introduction of bank loan interest rate 10 ends here.