1. Short-term loan: 4.4.35% within six months (including six months); 2. Medium and long-term loans: 4.75% for one to three years (including three years) to five years (including five years), and 4.9% for more than five years; 3. Including five years) 2.75%, more than five years 3.25%. The above is whether you can borrow from other banks after the commercial loan interest rate is high in 2022, but you can still borrow from other banks after the loan, but you can't stipulate the personal qualifications of users. If the previous loan is not overdue, then the user is in another bank. If it is overdue, other banks will reject the user's loan application. Whether it can be refinanced depends on users' repayment ability, cash flow, assets and liabilities, as well as products and market conditions. If there is no problem with the user's reputation, you can apply for a loan. However, it should be noted that if the user's immediate loan is a provident fund loan, he can no longer apply for a provident fund to buy a house without paying it off, but he can apply for a commercial loan or a consumer loan. How long can the bank loan come down? How long does it take to approve the bank loan? Mainly depends on the type of loan. Generally speaking, the loan can be released within one week after the credit loan application, and about one month after the housing loan application. When can I get a loan? You can ask the Credit Commissioner to estimate the length of the next repayment. As long as there is no government estimate, it is generally more accurate.
Second, commercial loan interest.
The second set is 1. 1 times the loan interest rate. You have to give the number of years of the loan to calculate.
Third, the latest interest rate of commercial loan interest rate 2022?
The latest commercial loan interest rate of China Agricultural Bank in 2022 is: 4.35% within half a year (including half a year), 4.35% from half a year to one year (including one year), 4.75% from one year to three years (including three years), 4.75% from three years to five years (including five years) and 3 years to five years (including five years).
Users should carefully choose the loan term and loan interest rate when lending.
4. What is the interest rate of commercial loans?
The interest rate of commercial loans is 1, and short-term loans: within one year (including one year), 4.35%; 2. Medium and long-term loans: one to five years (including five years), 4.75%; More than five years, 4.90%; 3. Provident fund loan interest rate: less than five years (including five years), 2.75%; More than five years, 3.25%. 4, commercial loan interest = loan amount loan interest rate loan period = loan amount days daily interest rate = loan amount monthly interest rate = loan amount annual interest rate. The interest rate is determined by the following factors: (1) The interest rate first depends on the average social profit rate and changes accordingly; (2) Under the condition of constant average profit rate, the interest rate depends on the supply and demand of loan capital in the financial market; (3) Lending capital must bear certain risks, and the greater the risk, the higher the interest rate; (4) Inflation has a direct impact on interest rate fluctuations; (4) Term of capital loan. Long loan term, many unforeseen factors, high risk and high interest rate; On the contrary, the interest rate is low. How to calculate the interest rate of personal commercial loan 1, and the calculation formula of equal principal and interest. The calculation principle of equal principal and interest is that in the monthly mortgage payment, the remaining principal interest is charged first, and then the principal is charged. The characteristic of this calculation method is that the interest in the monthly mortgage payment will decrease with the decrease of the principal, while the proportion of the principal in the monthly mortgage payment will increase, and the total monthly mortgage payment will remain unchanged. The calculation formula is: down payment =% principal down payment, monthly payment = monthly principal and interest, monthly principal = principal/repayment months, monthly principal and interest = principal x monthly interest rate. 2. Average capital calculation formula The calculation principle of average capital calculation is to distribute the borrower's principal evenly to each month of the loan life, and then pay off the interest between each repayment date. The characteristic of this calculation method is that the total interest expense is relatively low and the principal and interest to be paid in the early stage of the loan is relatively high, but the advantage is that the repayment burden will be reduced month by month. The calculation formula is: monthly repayment amount = monthly principal and interest, monthly principal = principal/repayment months, monthly principal and interest = (principal-accumulated repayment amount) x monthly interest rate. Applicant's conditions: 1. Having legal and valid residence status; 2. There is a contract or agreement to purchase the store; 3. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule; 4. There is a down payment of not less than 50% of the total price of the purchased store; 5. Agree to use the purchased shops as collateral or provide assets recognized by the loan bank as collateral or pledge, or units or individuals with guarantee qualification and sufficient compensation capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities.