First, the bank loan is 300,000 yuan, and the five-year interest is about 73,500 yuan. At present, the central bank's benchmark interest rate for commercial loans with a loan term of more than five years is 4.90%, but the interest rates in different regions and different banks are different. The bank will give you a loan interest rate when you borrow money. Generally speaking, interest = principal × interest rate× term, calculated according to the benchmark interest rate, that is to say, 30× 4.90 %× 5 = 73,500 yuan.

Second, the relevant contents of bank loans

1. Bank loan refers to an economic behavior in which an individual or enterprise lends money to an individual or enterprise in need of funds at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit. In different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of bill discount, credit account and overdraft account.

2. Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is recognized by the bank and provides effective guarantee. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability.

3. For those who need to start a business, they can flexibly use personal consumption loans to start a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan. If you need to buy commercial housing along the street, you can apply for a commercial housing loan from the bank with the proposed house as collateral. The loan amount generally does not exceed 60% of the appraised value of the proposed commercial house, and the longest loan period does not exceed 65,438+00 years.

4. According to "all laid-off and unemployed persons who are under 60 years of age, healthy, honest and trustworthy, and have certain labor skills, who are engaged in self-employment, self-employment or partnership, and organized for employment, can apply for small secured loans to commercial banks or their branches by virtue of the re-employment concession card issued by the labor and social security department, and entrepreneurs can hire laid-off and unemployed persons. After consultation, they can apply for unemployment loans with a re-employment concession card. Everyone can borrow up to 20,000 yuan, and the interest rate is the lowest among local bank loans. Enterprises that absorb laid-off workers 10 can enjoy a low-interest loan of up to 200,000 yuan.