Short-term loans: the loan interest rate for less than 6 months (inclusive) is 4.35%; The interest rate for the loan term of 6 months to 1 year (inclusive) is 4.35%. Medium-and long-term loans: the loan interest rate for sensitive term 1 to 3 years (inclusive) is 4.75%; The interest rate for the loan term of 3 to 5 years (inclusive) is 4.75%; The interest rate for loans over five years is 4.90%.
China Construction Bank loan interest rate classification in 2023;
1. CCB loan benchmark interest rate: CCB short-term loan interest rate: 4.35% within 1 year (inclusive).
2. The medium and long-term loan interest rate of CCB: 1-5 years (including 5 years) 4.75%. More than 5 years, 4.9%.
3. Interest rate of CCB provident fund loan: The interest rate of CCB provident fund loan is 2.75% for less than 5 years (including 5 years) and 3.25% for more than 5 years.
4. Reference data of the actual loan interest rate of CCB The above loan interest rate is actually the benchmark loan interest rate, and the actual loan interest rate of CCB can refer to the following data: 1. The monthly interest rate of CCB Tobacco Certificate Loan is 0.65%, the annual interest rate is 7.8%, and the monthly interest rate is 65 yuan. The monthly interest rate of the credit loan of China Construction Bank is 0.32%-0.38%, the annual interest rate is 3.84%-4.56%, and the monthly interest rate is 32-38 yuan. 3. The monthly interest rate of the renovation loan of CCB is 0.25%-0.33%, the annual interest rate is 3%-3.96%, and the monthly interest rate is 25-33 yuan.
5. The fast mortgage loan of China Construction Bank has a monthly interest rate of 0.32%-0.35%, an annual interest rate of 3.84%-4.2% and a monthly interest rate of 32-35 yuan. 5. The monthly interest rate of China Construction Bank Merchants Loan is 0.33%, the annual interest rate is 3.96%, and the monthly interest rate is 33 yuan.
6. CCB corporate tax loan, with monthly interest rate of 0.34%, annual interest rate of 4.08%, and monthly interest rate of 34 yuan. The above is the latest information about the loan interest rate of China Construction Bank in the spring of 2023.
What is the car loan interest rate of China Construction Bank?
First of all, answer directly.
To calculate the loan interest of CCB, we need to know the loan amount, loan interest rate, loan term and the repayment method chosen.
Second, the specific analysis
1, loan amount: This depends on the vehicle price and the down payment ratio.
The minimum down payment ratio of CCB's personal car loan is 20%, and the remaining 80% of the car price can be loaned; For commercial vehicle loans of CCB, the minimum down payment ratio for general commercial vehicles is 30%, and that for commercial vehicle loans is 60%.
2. Loan term: The loan term of CCB's self-use vehicles is different from that of commercial vehicles, with the longest loan term of 5 years for self-use vehicles and only 3 years for commercial vehicles.
3. Loan interest rate: the loan term is different, and the interest rate is different. Among them, the loan within 65,438+0 years is 4.35%, the loan in 65,438+05 years is 4.75%, and the loan over 5 years is 4.9%.
4. Senmin repayment method: the borrower can choose to repay the principal and interest in equal amount or the principal in equal amount.
You can quickly query in Beijian, get a big data report, find out your overdue records, and classify your online loans, formal and informal, with and without credit information. If you want to pay back the money but don't have enough funds, then negotiate with the online lending platform, give priority to formal credit reporting, and minimize the impact on yourself.
3. What is the 3-year interest on general car loans?
Car loan is actually that the borrower provides bank information, personal credit information, personal identity information, etc. to the bank, and then applies for a loan to buy a car.
Each borrower's personal comprehensive qualification is different, the loan interest rate that can be applied for will be different, and the interest to be paid every month will naturally be different.
Of course, each bank's loan policy will be different. Let's take CCB's car loan as an example to calculate the interest that needs to be paid when applying for a three-year car loan.
According to the data of CCB official website, if you apply for a short-term loan in CCB, that is, within one year (including one year), the loan interest rate is 4.35%.
Apply for medium and long-term loans in CCB, and the loan interest rate is 4.75% for 3 to 5 years (including 5 years).
Most people go to CCB to apply for a car loan, and they can only apply for a repayment period of three years at the longest.
In other words, if users go to CCB to apply for a car loan, the loan interest rate is about 4.35%-4.75%.
Assuming that the amount of car loan applied by the borrower is 200,000 yuan, according to the loan interest rate, the interest that the borrower needs to repay every year is between 8,700 and 9,500 yuan.
The interest to be paid every three years is between 26100-28,500 yuan.
Of course, the above is only calculated according to the minimum loan interest rate of CCB.
In fact, not many users can apply for the lowest loan interest rate, and borrowers still need to calculate interest according to the actual loan interest rate.
What is the mortgage interest rate of CCB?
What is the mortgage interest rate of CCB 1? Short-term loans: 4.35% for less than six months and 4.35% for six months to one year;
2. Medium and long-term loans: 1 4.75% for three years, 4.75% for three to five years, and 4.90% for more than five years;
3, personal housing provident fund loans within five years is 2.75%, more than five years is 3.25%.
Bank checking method of CCB: 1. Send SMS: Fill in the SMS in the bank and send it to CCB's customer service hotline. Once it is sent successfully, CCB will automatically feed back a message, including account opening outlets, business outlets, outlet addresses, contact information, etc.
2. Call the service hotline: For users who don't know how to modify the short message, you can call the CCB customer service hotline, then transfer to manual customer service according to the prompt, and then obtain the account opening bank according to the customer's understanding;
3. CCB outlets: If there is a branch of CCB next to you, you can go directly, as long as you bring your bank card and ID number;
4. CCB mobile APP query: First download CCB mobile app and enter "My Account". After logging in, the system will automatically display account information, including balance, status, account opening time, etc.
CCB Bank Credit Card Application Standard 1, age 18 but under 70 years old;
2. Have full capacity for civil conduct;
3. Have a fixed job and income, or have worked in the issuing bank for six months;
4. Personal credit status is good and repayment intention is strong.
5. The applicant must work in the local issuing bank of CCB for half a year or more, and the annual income must meet the requirements of the local branch. The most important thing is repayment ability, which can be calculated according to the monthly salary of thirteen months. As long as the applicant has a certain social status or annual income, he can apply for a credit card of CCB. In addition, with the permission of the applicant, if you have a certain social status, or your annual income is five times that of the bank, you can get a platinum credit card.
The above is the answer to the questions about the interest rate of CCB's mortgage loan. I hope these answers can help you and give you some ideas.
China Construction Bank's mortgage interest rate over the years
What is the mortgage interest rate of China Construction Bank over the years? Huichang Han A: In 2022, the commercial mortgage interest rate will be 4.35% within one year (including one year), 4.75% within one to five years (including five years) and 4.90% after five years.
202 1 5 years or more is 5.34%. In 2020, it will be 5.49% for more than five years.
What is the mortgage interest rate of China Construction Bank?
What is the mortgage interest rate of China Construction Bank? The housing loan interest rate of China Construction Bank fluctuates with the benchmark interest rate of the central bank. Different loan types and borrowers have different qualifications, and the floating range is also different. The current benchmark interest rate of the central bank is: commercial loans: the loan period does not exceed one year, and the loan interest rate is 4.35%; The loan term is from 1 to 5 years with interest of 4.75%; The loan term is more than 5 years and the loan interest rate is 4.90%.
Provident fund loan: the loan period is no more than 5 years, and the loan period is 2.75%; The loan term is more than 5 years and the interest is 3.25%.
Bank loan application conditions 1,18-natural person aged 65;
2. The actual age of the borrower plus the time to apply for a loan cannot exceed 70 years old;
3. Stable occupation, stable income and ability to repay on time;
4. The credit status is good, there is no bad credit record, and the loan is used legally;
5. Meet other conditions stipulated by the bank.
Customers who meet the above conditions can go to the local bank for loans.
The ways to buy a house by loan are: 1. Housing provident fund loan: for those who have already paid the housing provident fund, the housing provident fund shall be paid at the interest rate when the loan is used to buy a house. As a policy subsidy, housing provident fund has a very low loan interest rate, which is lower than that of commercial banks (only half of that of commercial banks) or even lower. At the same time, when handling mortgage, insurance and other related procedures, the cost of provident fund loans will be reduced by half.
2. Personal housing commercial loans: The above two kinds of loans are limited to employees' contributions to housing provident fund, which is more restrictive. Therefore, individuals who have no housing provident fund cannot apply for loans, but they can apply for personal housing mortgage loans from commercial banks, that is, bank mortgage loans. If the capital in your bank account is not less than 30%, and it is the first loan, and you have the assets of the loan bank to mortgage or pledge, or you have enough ability to repay debts, you can apply for a loan from the bank.
The above is related to the mortgage interest rate of China Construction Bank. I believe everyone knows about these contents. I hope this newsletter can give you some help.
The introduction of the annual interest rate of CCB loans and the annual interest rate of CCB loans is over. I wonder if you found the information you need from it?