1. Shops can only be bought by commercial loans. The loan interest rate of shops is 10% higher than the benchmark interest rate. The benchmark interest rate for loans over five years is 4.9%, and the loan interest rate for shops is 4.9% 1. 1=5.35%.

2. There are two kinds of short-term: within six months, including six months, the annual interest rate is 5.6%, and the commercial loan interest rate of shops is 6.16%; The annual interest rate for more than six months and less than one year is 6%, and the commercial loan interest rate for shops is 6.6%;

3. There are three types of medium and long-term loans: one to three years, of which the annual interest rate is 6. 15% and the commercial loan interest rate of shops is 6.765%; Three to five years, including five years, the annual interest rate is 6.4%, and the commercial loan interest rate of shops is 7.04%; The annual interest rate for more than five years is 6.55%, and the commercial loan interest rate for shops is 7.205%.

Under normal circumstances, the loan interest rate of shops will fluctuate occasionally according to the regulations of the People's Bank of China in the same period.

Due to different loan types, the conditions and materials for applying for loans are also different. The following will introduce the conditions required for several common loans.

Loan type 1: personal credit loan

Personal credit loan is a fashionable loan method, so what conditions do you need to apply for this kind of loan? Under normal circumstances, the bank requires the borrower to have a second-generation ID card, a certificate of stable work, a certificate of income, and a certificate of loan use; Personal credit status is good; There are also certain restrictions on the income of borrowers. The average monthly income of ordinary borrowers is not less than 4000 yuan. After submitting the relevant application materials, the bank can apply for a loan with a monthly income of 5-8 times, that is, an unsecured loan and a new loan from Ping An Bank.

Loan Type 2: Housing Mortgage Loan

The reason why more and more people choose real estate mortgage loan is that the loan interest rate is generally the benchmark interest rate, and there is less pressure to repay the loan. So what are the conditions for applying for this kind of loan? Generally speaking, in addition to the strong requirements on the income and credit of the lender, the service life of the house should be less than 20 years and the house area should be more than 50 square meters; The house is highly mobile; The amount of mortgage loans shall generally not exceed 70% of the assessed value of the house. In this way, after the relevant information is submitted to the bank for approval, you can apply for a loan with a maximum of150,000 and a maximum term of 20 years.

Loan Type III: College Students' Entrepreneurship Loan

College students pay more attention to this kind of loan than we thought. Many areas have support policies for college students' entrepreneurial loans, such as loan subsidies or interest-free loans. So what are the conditions for applying for this kind of loan?

Generally speaking, college students' business loan requirements: college students, graduates within two years; College degree or above; 18 years old or older. Relatively speaking, the application conditions for this kind of loan are relatively loose, and then you only need to submit student ID cards, transcripts, statements and other materials to the bank, and you can get the loan after approval.

Loan Type 4: Self-operated loan

Self-employed people have become the main force of social and economic development, but many self-employed people have difficulty in financing, so many people choose this kind of loan. What are the conditions for applying for this loan? Generally speaking, you must have full capacity for civil conduct and have a local hukou; Having a fixed business place and stable income in the local area; Can provide legal collateral (pledge); Open a deposit account with a loan bank. After the above conditions are met, the information required by the bank can be submitted for review.

Loan Type 5: Housing Mortgage Loan

Many people buy houses and apply for mortgage loans, so what are the loan conditions? Generally speaking: have a valid ID card and proof of marital status; Good credit record and willingness to repay; A steady income; Commercial housing sales contract or letter of intent for the purchased house; Have the ability to pay the down payment of the purchased house; Open a personal settlement account with a valid guarantee in the bank. After meeting the above conditions, you can submit the application materials to the bank, and the bank will review and decide whether to lend money.

20 17 commercial loan interest rate

The benchmark interest rate for 20 17 commercial loans is 4.9%; 4.75% for less than five years; Commercial banks can go up or down.

20 17 loan benchmark interest rate table

20 17 bank loan benchmark interest rate:

1. Annual interest rate of commercial loans within one year: 4.35%;

2. Annual interest rate of commercial loans for one to five years: 4.75%;

3. The annual interest rate of commercial loans over five years: 4.9%;

4. Annual interest rate of provident fund loans for less than five years: 2.75%;

5. Annual interest rate of provident fund loans for more than five years: 3.25%.

Response time: August 25th, 2020. Please refer to the latest business changes announced by Ping An Bank in official website.

[Ping An Car Owner Loan] A car can be loaned up to 500,000 yuan.

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What is the interest rate of 20 17 commercial loan?

What is the interest rate of 20 17 commercial loan?

Commercial loans are commercial loans used to supplement the working capital of industrial and commercial enterprises. Generally speaking, they are short-term loans, usually 9 months, not 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. So what is the commercial loan interest rate of 20 17? The following are the relevant answers I have compiled, and you are welcome to refer to them!

What is the interest rate of 20 17 loan to buy a house?

At present, the benchmark interest rate for commercial loans with a loan term of more than 5 years is 4.90%. Due to the policy of restricting purchases and loans, the preferential interest rates of local banks for the first home loan are different. The second home loan interest rate generally rose 10%.

During the same period, the benchmark interest rate of provident fund loans was 3.25%, and the interest rate of second-home loans generally rose 10%.

The second suite is defined as the second suite where the borrower's family (including the borrower, spouse and minor children) determines the mortgage times and has used provident fund loans or commercial loans to purchase houses.

Further reading: matters needing attention in purchasing commercial loans.

First, the choice of payment methods.

The difference between average capital and equal principal and interest

Average capital: refers to the repayment of the same principal every month during the loan period. With less and less principal to be repaid later, interest will be less and less in the future!

Equal principal and interest: that is, the same principal and interest will not be repaid every month. It means that from the moment of the loan, the money in the monthly payment is the same every time!

1, the average capital repayment method is suitable for high-income people.

With equal principal repayment, the borrower can gradually reduce the burden with the increase of repayment period. This repayment method is to allocate the principal to each month and pay off the interest between the previous repayment date and the current repayment date.

Under the same conditions, the total interest paid by this repayment method is less than the equal principal and interest, and the repayment burden will be gradually reduced with the passage of time. However, because the interest is decreasing, the monthly payment in previous years will be higher than the equal principal and interest, which is very stressful, so this repayment method is more suitable for people with high income and low repayment pressure.

2. Matching principal and interest repayment method is suitable for people with stable income.

Matching the principal and interest is to add up the total principal and interest of the mortgage loan and then share it equally every month during the repayment period.

As a repayment person, he pays a fixed amount to the bank every month, but the proportion is. In the monthly repayment amount, the principal increases month by month, and the interest ratio decreases month by month. It can be seen that families with stable income and economic conditions do not allow excessive investment in the early stage can choose this method. 3. Some properties will introduce installment payment.

For young people, college students who have just joined the work, and some people who are short of money, this is a good payment method. Generally, this repayment method allows customers to have a grace period of 1-5 years for customers who fail to pay the down payment. Five years later, with the increase of income and the consolidation of economic foundation, repayment will be improved into a normal repayment method.

Second, the choice of loan term

The sum of the loan term and the borrower's actual age shall not exceed 65 years old. For example, for a 40-year-old property buyer, the date of signing the loan and mortgage contract is 201April 3 15. Then, if the lender's actual birthday is before April of 15, then the longest term of his mortgage is 24 years; If the lender's actual birthday is on or after April 15, the longest term of his mortgage loan is 25 years.

The choice of loan term will vary from person to person. Mainly consider three factors:

1. The longest possible mortgage loan term of the lender;

2. The lender's own situation, such as savings, daily income and expenditure, repayment pressure, etc. ;

3. Pay moderate attention to the macroeconomic situation, such as the period of economic interest rate reduction or interest rate increase. Generally speaking, the loan term should be appropriately extended during the period of economic interest rate reduction when its own conditions permit; During the period of rising economic interest rate, the loan term should be shortened appropriately.

Third, the choice of loan amount.

When applying for personal housing loans, borrowers should make correct judgments on their current economic strength and repayment ability, and at the same time make correct and objective predictions on their future income and expenditure.

1 refers to the lender's own capital status, such as savings, daily income and expenditure, repayment pressure, etc.

2. Pay moderate attention to the macroeconomic situation, such as the period of economic interest rate reduction or interest rate increase.

3. Generally speaking, when its own financial strength allows, the loan ratio should be appropriately increased during the period of economic interest rate reduction; During the period of rising economic interest rates, the loan ratio should be appropriately reduced.

Fourth, we should choose a good loan bank.

For borrowers, they can choose their own loan banks to buy existing houses or second-hand houses. The more and more sophisticated services provided by mortgage banks, the more flexible and diverse personal financial services you will get, as well as a rich service and product portfolio. From the perspective of citizens, there is no doubt that the more choices citizens have, the better.

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What is the interest rate of 20 17 commercial loan?

Commercial loans are housing commercial loans.

Bank housing commercial loan interest rates are as follows:

The loan interest rate is 4.35% for 0-6 months (including 6 months), 4.35% for 6- 12 months (including 12 months), and 36-60 months (including 60 months).

What is the interest rate of 20 17 mortgage?

1 and 20 17 commercial loan interest rate: within six months, the loan interest rate is 4.35%; From half a year to one year, the loan interest rate is 4.35%; For one to three years, the loan interest rate is 4.75%; For three to five years, the loan interest rate is 4.75%; For more than five years, the loan interest rate is 4.9%.

2.20 17 provident fund loan interest rate: within six months, the interest rate is 2.75%; Six months to one year, the interest rate is 2.75%; For one to three years, the interest rate is 2.75%; For three to five years, the interest rate is 2.75%; For more than five years, the interest rate is 3.25%.

Extended data

Conditions and procedures for commercial loans

1. The conditions for commercial loans need to meet four points: ① the applicant's age 18-65 years old; (2) The applicant shall pay more than 30% of the down payment; (3) The applicant should have a stable job and can provide relevant salary certificates; (4) The applicant has good credit and meets the commercial loan standards.

2. When the borrower signs a house purchase contract with the developer, it will pay 30% of the house purchase price; Submit relevant materials to the law firm for review; After receiving the approval of legal opinions, banks sign loan contracts, mortgage contracts and guarantee contracts with buyers.

3, according to the data for mortgage registration, home insurance, contract notarization procedures, and lending. The borrower repays the loan by equal repayment. For the outstanding loan principal, the borrower can repay it in one lump sum, and interest will still be charged in the current period of prepayment, and no penalty will be charged.