Nowadays, the loan products of major financial institutions are becoming more and more abundant, and the range of borrowers is becoming more and more extensive. When many borrowers choose the platform, they think that Bank of Communications E-loan is good, so they ask what the interest rate of Bank of Communications E-loan is, and whether the interest rate is high or not. Today, I will introduce the situation of e-loan of Bank of Communications.

According to the official introduction of Bank of Communications E-Loan, Bank of Communications E-Loan will determine the loan interest rate according to whether the borrower has a guarantee. The interest rate standard is as follows:

1, guaranteed

For secured borrowers, the loan interest rate will not be lower than the benchmark loan interest rate announced by the People's Bank of China. At present, the benchmark loan interest rate of the People's Bank of China is:

(1) The benchmark interest rate for loans within one year (including one year) is one to five years (including five years), and the benchmark interest rate for loans over five years is 4.9%.

2. There is no guarantee

For unsecured borrowers, relying on their own good credit to borrow, the interest rate of E-loan of Bank of Communications is not lower than 120% of the benchmark interest rate of PBOC loans. In other words, the lowest interest rate of Bank of Communications e-loan is as follows:

(1) The benchmark interest rate for loans within one year (including one year) shall not be lower than that for loans from one year to five years (including five years). The benchmark interest rate for loans over five years is not lower than here. Let's take a look at the interest rates of other loan products of Bank of Communications.

1. The minimum monthly loan interest rate of Bank of Communications Good Loan is the annualized minimum loan interest rate of 9%;

Compared with other loan products of Bank of Communications, it is not difficult to know that the interest of Bank of Communications E loan is not very high, but it is still relatively affordable. Generally speaking, the interest rate of E-loan of Bank of Communications is slightly higher than the benchmark interest rate of central bank loan announced by the People's Bank of China.

What is the mortgage interest rate of Bank of Communications?

Commercial loan: the loan interest rate is 4.35% within one year; The loan interest rate for one to five years is 4.75%; The loan interest rate for more than five years is 4.90%. Provident fund loan: the loan interest rate for less than five years is 2.75%; The loan interest rate for more than five years is 3.25%. The commercial loan interest rate of the first suite of Bank of Communications is generally 15% higher than the benchmark interest rate, and the interest rate of the provident fund loan to buy the first suite is based on the benchmark interest rate.

Extended data:

Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, and no more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans.

Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same.

Commercial loans refer to the proportion of commercial loans in the guarantee balance of housing property right guarantee institutions at the end of the statistical period. When you sign the house sales contract, you can apply for a commercial loan from the bank.

The full name of the provident fund is: housing provident fund. Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.

From July 1 2065438, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform according to the requirements of the Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development. On the same day, People's Republic of China (PRC) and the Ministry of Housing and Urban-Rural Development confirmed the national housing provident fund service logo, which will be used from now on.

Housing provident fund is only established in cities and towns, and the housing provident fund system is not established in rural areas. Only on-the-job employees can establish a housing provident fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system. The housing accumulation fund consists of two parts, one part is paid by the unit where the employee works, and the other part is paid by the individual employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit.

What is the interest rate of Bank of Communications credit card loan?

What is the loan interest rate of Bank of Communications?

1. Short-term loan: 4.35% within one year (including one year).

2. Medium and long-term loans: 4.75% for one to five years (including five years) and 4.90% for more than five years.

According to the regulations of the People's Bank of China, the loan interest rates of various banks can float freely at present. To put it simply, for all applicants, the interest rate of Bank A is 7%, and the interest rate of Bank B may be 10%, so you need to compare yourself and choose the product that suits you. Finally, I would like to remind you that the interest rate of provident fund loans is not discounted or floating, and the designated interest rate is fully implemented.

The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when they issue loans. It is mainly divided into three categories: the loan interest rate of the central bank to commercial banks; The loan interest rate of commercial banks to customers; Interbank lending rate

The decisive factors of bank loan interest are:

1, bank cost. Any economic activity needs cost-benefit comparison. There are two types of bank costs: borrowing costs-prepaid interest on borrowed funds; Additional cost-the cost of normal business.

2. Average profit rate. Interest is the subdivision of profit, which must be less than the profit rate, and the average profit rate is the highest limit of interest.

3. Supply and demand of loan funds. If the supply exceeds the demand, the loan interest rate will inevitably fall, and vice versa. In addition, the loan interest rate must also consider price changes, securities returns, political factors and so on.

However, some scholars believe that the upper limit of interest rate should be the marginal rate of return of funds. The factor that restricts the interest rate is regarded as the comparison between the profit growth rate of enterprises after borrowing bank loans and the loan interest rate. As long as the former is not lower than the latter, it is possible for enterprises to borrow money from banks.

Bank loan interest rate refers to the ratio of interest amount to principal amount during the loan period. Interest rates in China are managed by the Central Bank. Bank loan interest rate refers to the benchmark interest rate set by the central bank, and the actual contract interest rate can fluctuate within a certain range on the basis of the benchmark interest rate.

The loan interest rate refers to the ratio of interest amount to principal amount during the loan period. To determine the interest rate of loan contracts with banks and other financial institutions as lenders, the parties can only negotiate within the upper and lower limits of interest rates set by the central bank. If the loan interest rate is high, the repayment amount of the borrower will increase after the loan term, otherwise it will decrease.

The loan interest rate is the main basis for the parties to the loan contract to calculate the loan interest, and the loan interest rate clause is the main clause of the loan contract.

The interest rate of loan contracts with banks and other financial institutions as lenders can only be negotiated within the upper and lower limits of interest rates stipulated by the central bank. If the loan interest rate agreed by the parties is higher than the interest rate ceiling set by the People's Bank of China, the excess will be invalid; If the interest rate agreed by the parties is lower than the lower limit set by the central bank, the lowest interest rate set by the central bank shall prevail.

In addition, if the lender violates the regulations of the central bank and collects any other fees except interest, it will be punished by the central bank.

The loan interest rate is generally higher than the deposit interest rate, and the difference between them is the main source of bank profits.

Is the credit card interest rate of Bank of Communications high?

Relatively high, Bank of Communications loan interest is not fixed, depending on the number and amount of installments applied by users. According to the official announcement, Bank of Communications enjoys a loan of 654.38+0.00 million, divided into 654.38+02 installments, with a monthly interest rate of 0.72%, so the monthly handling fee is 654.38+00000× 0.72% = 72 yuan. This interest rate is relatively high in many banks' credit card installment interest. Users who need to apply can consider their own economic situation before making a decision. The interest of Bank of Communications' good loan is quite high in other consumer loans of the bank, but the main controversy is that as long as you choose the starting amount, it will be automatically phased over this starting amount, and then interest will inevitably be charged, and the prepayment will not be reduced. Credit card 10000 yuan, the rate of the first installment 12 is 0.72%, and the monthly processing fee in 72 yuan is 72 12=864 yuan. There are two main standards for Bank of Communications to enjoy loan interest according to consumption purposes, as follows:

What is the loan interest rate of Bank of Communications?

Bank of Communications loan interest = loan amount, loan term and loan interest rate. The annual loan interest rate of Bank of Communications generally fluctuates on the basis of the benchmark loan interest rate of the central bank. Please consult the staff of local business halls for specific floating standards.

The latest benchmark interest rates for central bank loans are as follows:

1, and the interest rate is 4.35% within one year (including one year).

2. The interest rate for one year to five years (including five years) is 4.75%.

3. The annual interest rate for more than five years is 4.90%.

4. The interest rate of provident fund loans for less than five years (including five years) is 2.75%.

5. The interest rate over five years is 3.25%.

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It's best to put forward all the suggestions on demand. The risk control system will mistakenly think that you don't need this fund, which will lead to the failure of withdrawal. At least 60% is safer. Support early settlement of repayment after the first installment.

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How much is the interest of Bank of Communications loan for 70,000 years?

The loan was made in 76,000 years. Assuming that the repayment method is equal principal and interest, and the annual interest rate of the loan is 4.90%, the monthly repayment is 1,124./0 yuan, the total interest is10,935.28 yuan, and the total repayment is 80,935.28 yuan.

The loan is 76,000 years. If the repayment method is average capital, the annual interest rate of the loan is 4.90%, and the repayment in the first month is 1258.06 yuan, with a monthly decrease of 3.97 yuan. Total interest is 10432.92 yuan, total repayment is 80432.92 yuan, and interest accounts for 12.97 yuan.

So much for the introduction of Bank of Communications loan interest.