Hello, the loan interest rate of Shiyan Rural Commercial Bank is 4.35%, including policy loan interest rate of 4. 15%, commercial loan interest rate of 4.35%, policy loan term of 3 years and commercial loan term of 5 years. The loan term can be adjusted according to the actual situation. In addition, Shiyan Rural Commercial Bank has some preferential policies for college students' entrepreneurial loans, such as fee exemption, loan guarantee and loan discount.

What is the annual interest of the loan of 30,000 yuan 1320?

According to the benchmark interest rate of one-year loans stipulated by the People's Bank of China, 4.35%, the annual interest of a loan of 30,000 yuan can be calculated as 1.305 yuan. The algorithm is as follows: the known principal is 30,000 yuan, the interest rate is 4.35%, and the loan term is 1 year. The calculation formula of substituting loan interest: interest = principal interest rate, loan term = 300004.35%, 1 = 1305 (yuan). The results show that the annual interest of a loan of 30,000 yuan is 65,438+0,305 yuan.

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 for the lender's income and credit, the service life of the house should be within 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.

How much is the interest of college students' venture capital?

How much is the interest of college students' venture capital?

First of all, let's talk about the calculation formula of college students' entrepreneurial interest, which is calculated according to the interest rate = principal × year (month )× year (month). The benchmark interest rate set by the central bank is 4.35%, but the loan interest rates of different banks will fluctuate up and down this standard, which may be raised or lowered. Want to know the specific interest, can be calculated according to the principal and the bank's interest rate.

2. Conditions for college students' entrepreneurial loans

Different from other loans, the conditions of college students' entrepreneurial loans are very relaxed. As long as you have a college degree or above, friends who have graduated within 2 years can apply for business loans. And it is unsecured, which means that this loan is suitable for every college student who wants to start a business.

3. How to apply?

The application process of college students' entrepreneurial loans is not complicated. Generally, you should first apply in the management service center of college students' pioneer park and provide relevant materials. After the application is accepted, it needs to go through the procedures of examination, publicity and approval before the disbursement can be completed. If you want to start a business with a loan, but you don't know enough about interest, you can also calculate it according to the interest calculation formula provided in the article after defining the specific interest rate of the bank.

How much can college students borrow for starting a business?

Bank of China provides commercial loans for college graduates. The limit of entrepreneurial loans for college graduates is: for eligible individuals, the maximum loan amount is adjusted to 654.38+10,000 yuan. For partnership enterprises, the loan scale can be appropriately expanded according to the number of people and business projects. For a partnership with more than three persons (inclusive), the loan scale shall be reasonably determined according to 50,000 yuan per capita, and the total amount shall not exceed 200,000 yuan. If there is loan demand, it is recommended to contact local outlets for detailed consultation.

The above contents are for your reference. Please refer to the actual business regulations.

College students' entrepreneurial loans can reach up to 50 thousand. For some special loan projects, the loan period can be extended to four years on the basis of two years stipulated by the state. The loan interest of low-profit projects that meet the conditions of national loan financial discount funds shall be fully subsidized by the central government in the first two years and subsidized by the district-level finance in the last two years; The loan interest of non-subsidized projects shall be subsidized by the district finance according to the benchmark loan interest rate of the same period 10%. The municipal finance gives the local finance 60% discount interest funds, and it is good to go to the bank to borrow college students' entrepreneurial loans with ID cards and household registration books.

What's the annual interest of 200,000 college students' entrepreneurial loans?

The annual interest of 200,000 college students' entrepreneurial loans is about 3,000 yuan. The answer is as follows: Because of the robot, the second step series is, well, linear.

How much is the interest of college students' entrepreneurial loans?

The interest of college students' entrepreneurial loans is generally based on the benchmark interest rate published by the People's Bank of China. However, you can apply for interest rate concessions when you borrow money. Generally, in order to encourage start-up banks, it will drop by about 20%. Some local governments also give preferential treatment to college students' entrepreneurial loans. Generally speaking, the interest rate of college students' loan entrepreneurship is relatively low. The benchmark interest rates (annual interest rates) of various loans stipulated by the People's Bank of China in 2065438+2008 are related to the loan years, of which 4.35% are within one year (including one year), 4.75% are from one year to five years (including five years), and 4.90% are above five years; The term of college students' entrepreneurial loans is generally 1 year, and the longest period will not exceed 3 years. College students' entrepreneurial loans are generally for fresh graduates or students within two years of graduation, with college education or above, and the age must be above 18. The applicant's credit information must be good, which is the prerequisite for applying for college students' entrepreneurial loans. Process of college students' entrepreneurship loan: the borrower applies to the college students' entrepreneurship management service center and submits relevant materials at the same time. At this time, the management center conducts a preliminary examination, and after the preliminary examination is passed, the borrower conducts an audit. At this time, it will be publicized after passing, and the loan will be issued after there is no problem.

One; The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.

Second; The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links.

(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.

(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.

(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.

Third, the legal content of the pre-loan investigation

(1) Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.

(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

(3) Regarding the borrower's loan conditions, whether the borrower has opened basic deposit account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender;

(4) Regarding the guarantee, if it is a guarantee, the qualification, reputation and performance ability of the guarantor shall be investigated.

Fourth; In order to reduce the moral hazard of the lender, the borrower and its responsible person should also be specially examined. When granting loans, financial institutions should not only examine the qualifications, conditions and operating conditions of borrowers, but also strengthen the examination and control of the personal qualities of investors, legal representatives of enterprises and key management personnel, including:

(a) for the chairman, general manager, factory director, manager and other key personnel gambling, drug abuse, whoring, keeping mistresses, frequenting dance halls, saunas, excessively arranging weddings and funerals, buying luxury cars disproportionate to their economic strength, and frequently renting luxury hotels, we must strictly control their corporate loans.

(two) loans to family business groups or companies must be strictly controlled. The so-called family group or company refers to an enterprise in which the main leaders of the group and its subsidiaries or branches and the main leadership positions within the enterprise are all or mainly held by blood relatives and their families and relatives.

(3) If the legal representative holds a foreign passport or permanent residence in a foreign country, and his enterprise or company has branches abroad, he should strictly control the loans of enterprises whose main family members have settled abroad or set up companies abroad, and pay close attention to the financial transactions of his legal representative with enterprises abroad. Especially for the transfer of funds abroad or the use of funds is unknown, it is necessary to strictly review, supervise and stop them in time.

(four) to investigate the legal representative of the enterprise before the loan. Loans to affiliated enterprises where one person concurrently serves as the legal representative of several enterprises must be strictly controlled.

(5) When examining the loan, we must consider the borrower's qualifications, conditions, operating conditions, repayment ability and the quality of the main person in charge of the enterprise. The borrower's political status as a "model worker", "advanced element", "overseas Chinese", "NPC representative" and "CPPCC member" shall not be used as an excuse to lower the loan conditions or illegally issue and manage loans.

(six) the loan relationship only occurs between the parties. For loans that are greeted or written by leaders, relatives, friends, classmates and comrades-in-arms, the loan conditions shall not be relaxed. Do not meet the loan conditions, no loans.

(seven) when issuing secured loans, the relationship between the borrower and the guarantor should be carefully investigated. The borrower and the guarantor belong to the same group company, and the loan should be strictly examined. The guarantee provided by the branch of a non-independent legal person is invalid.

Five; Suggestions for loan review Every loan should be carefully reviewed, and the risk judgment of the loan should not be based on past review or credit. Just because the borrower repaid the principal and interest on time in the past, the review or investigation procedures should not be relaxed. Establish a fixed-term appointment system for the legal representative of the borrower and its main management personnel. The appointment period can be determined according to the size of the loan amount and the changes in the production and operation of the borrower. If the loan amount is large, the appointment period should be shortened accordingly. Loan officers (loan officers, members of the credit review team and members of the credit review committee) shall not engage in improper private contact with borrowers in loan activities. Credit officers and their immediate family members shall not accept the borrower's cash, precious gifts, shopping vouchers, etc. ; Shall not participate in recreational activities paid by the borrower; No expenses shall be repaid to the borrower. For loans with large loan amount and long term, or loans used by borrowers for specific purposes, lawyers, accountants and other professionals should be hired to make professional judgments and provide expert opinions on related matters.

The introduction of interest on college students' entrepreneurial loans ends here.