I. Short-term loans:

Six months (including? ) The annual interest rate is 5.60%; The annual interest rate for six months to one year (inclusive) is 6.00%.

Second, medium and long-term loans:

The annual interest rate for one to three years (inclusive) is 6.15%; The annual interest rate for three to five years (inclusive) is 6.40%; The annual interest rate for more than five years is 5.5%.

Application materials for bank loan in China (application materials may be different due to different bank loan products):

1. The borrower's valid ID card and household registration book;

2, proof of marital status, unmarried need to provide proof of unmarried, divorce needs to issue a court civil mediation or divorce certificate (indicating that you have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. The loan can only use collateral, and the sum of loan amount and interest during the loan period cannot exceed1/2 of the assessed value of collateral;

7. Have a long-term stable income source and proof of income sufficient to pay the monthly loan principal and interest.

Bank of China loan application process:

1. Submit loan application and related loan materials;

2. Acceptance and approval of banks;

3. After approval, sign a loan contract with the borrower;

4. Repay the loan.

Bank of China loan interest? calculate

Current month loan interest = remaining principal of last month * monthly loan interest rate;

Principal paid in the current month = repayment amount in the current month-loan interest in the current month;

Last month's remaining principal = total loan-accumulated repaid principal.

Hope to adopt, thank you.