The annual interest rate is 2.7 points, which means the annual interest rate is 2.7%. Take 6,543,800 yuan as an example, annual interest = principal × annual interest rate× term =100000× 2.7% ×1= 2700 yuan. The annual installment rate of 2.7 is actually equivalent to the annual loan interest rate of 2.7%. For users, this is a lower loan interest rate. But in fact, only when the credit qualification is excellent, and there are long-term business contacts with banks, and a large number of assets are used for bank wealth management, can we get such a low installment rate. The installment rate of most users will be determined according to their actual credit qualifications, so different users will have different installment rates.

On the loan interest rates of the six major banks:

1. Industrial and Commercial Bank of China

ICBC, the interest rate of short-term loans (including within six months) is 4.35%; The loan interest rate for half a year to one year (including one year) is 4.35%. The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%.

If it is a provident fund loan, the loan interest rate for less than five years (including five years) is 2.75%; The loan interest rate for more than five years is 3.25%.

2. Agricultural Bank

The short-term loan interest rate of China Agricultural Bank (including within six months) is 4.35%; The loan interest rate for one year to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9%. For individual housing provident fund loans, the loan interest rate for five years and below is 2.75%, and the loan interest rate for five years and above is 3.25%.

3. China People's Bank

The loan interest rate of Chinese banks is 4.35% within one year (including one year), 4.75% for one to five years (including five years) and 4.9% for five years and above. The personal housing provident fund loan interest rate is 2.75% for five years and below, and 3.25% for five years and above.

4. Bank of Communications

The loan interest rate of Bank of Communications is 4.35% within one year (including one year), 4.75% for one to five years (including five years) and 4.9% for more than five years.

5. China Construction Bank

The short-term loan interest rate of China Construction Bank (including six months) is 4.35%; The loan interest rate for one year to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9%.

6. Postal Savings Bank

Postal savings bank loan interest rate (including 6 months) 4.35%; The loan interest rate for one year to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9%. 202 1 The interest rate of central bank loans is: short-term loans: the interest rate of loans within one year (including one year) is 4.35%. Medium and long-term loans. The loan interest rate for one year to five years (including five years) is 4.75%; Provident fund loans with a loan interest rate of 4.9% for more than five years. The loan interest rate for less than five years (including five years) is 2.75%; The loan interest rate for more than five years is 3.25%. The loan interest rate of each bank may be different, subject to the actual transaction interest rate.