At present, there is little difference between the benchmark interest rates of banks and provident funds, but the benchmark interest rate is constantly adjusted, and the provident fund is always lower than commercial loans.

Two. 20 17 commercial loan interest rate

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The loan shall provide relevant documents and materials according to the requirements of the bank, and finally go through the relevant mortgage guarantee procedures and wait for the loan approval.

I suggest you try searching Xiao Zhi Zhi, which may contain the loan information you want.

After the bank signs the contract, it starts from the month after the month of lending. You're about to start repaying the loan.

Finally, loan security is not a trivial matter.

3.20 17 what is the interest rate for commercial loans?

In 20 17, the benchmark annual interest rate of commercial loans announced by the People's Bank of China is 0-6 months (including 6 months), and the annual interest rate of loans is 4.35%; 6 months-1 year (inclusive), and the annual interest rate of the loan is 4.35%; . 1-5 years (inclusive), and the annual interest rate of the loan is 4.75%. 5-30 years (including 30 years), the annual interest rate of the loan is 4.90%. The annual interest rate of individual housing provident fund loans is: 0.5 years or less (including 5 years), and the annual interest rate of loans is 2.75%; The annual interest rate of loans for more than 5 years is 3.25%.

I. Loan interest rate and interest

The General Rules for Loans stipulates that:

(1) Determination of loan interest rate: The lender determines the interest rate of each loan according to the upper and lower limits of loan interest rate stipulated by the People's Bank of China, and specifies it in the loan contract;

(II) Collection of loan interest: Lenders and borrowers shall collect or pay interest on schedule in accordance with the loan contract and relevant interest-bearing provisions of the People's Bank of China. When the loan extension period plus the original term reaches the new interest rate grade, it will be charged at the new term grade interest rate from the date of extension. Penalty interest is charged for overdue loans according to regulations.

(3) Loan interest subsidy: According to the national policy, in order to promote the economic development of certain industries and regions, the relevant departments may subsidize the loan interest. Loans subsidized by relevant departments shall be independently examined and issued by the undertaking bank, and strictly managed in accordance with the relevant provisions of the General Rules for Loans.

(4) Suspension, interest and interest loan: Except as stipulated by the State Council, no unit or individual has the right to decide suspension, interest and interest. The Lender shall, according to the decision of the State Council, specifically handle the cessation, interest reduction and interest-free according to the scope of duties and authority.

Second, the calculation method of loan interest

(1) The interest rate conversion formula for RMB business is (note: common for deposits and loans):

1. daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷30.

2. Monthly interest rate (‰) = annual interest rate (%)÷ 12

(two) banks can use the product interest method and the transaction interest method to calculate interest.

1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is:

Interest = cumulative interest-bearing product × daily interest rate, where cumulative interest-bearing product = total daily balance.

2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:

If the interest-bearing period is a whole year (month), the interest-bearing formula is:

① Interest = principal × year (month )× year (month) interest rate

If the interest-bearing period is a whole year (month) and days, the interest-bearing formula is:

② Interest = principal × year (month) × year (month) interest rate principal × odd days × daily interest rate.

At the same time, banks can choose to convert all interest-bearing periods into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is as follows:

③ Interest = principal × actual days × daily interest rate

4. What are the bank interest rates from17 to 19 respectively?

What are the bank interest rates from 17 to 19 respectively?

Interest rate 17. And the interest rate of 19. There is not much difference. Its interest rates are almost all around 3 o'clock. Some are 3.3%. Some banks are 3.08%. So banks and some banks are also a little bad. The interest rate of 17 may be a little higher than 3.3.

We'll talk about it later. The interest rate of 19 is now around 3 o'clock.