Weihai second-home commercial loan interest rates

Weihai Commercial Bank shall publish the rates regularly by the municipal government in accordance with current laws, regulations and relevant regulations. According to the regulations of Weihai Commercial Bank, the interest rates for second-home commercial loans are as follows:

1. Base interest rate: The base interest rate is calculated based on the latest base interest rate, which is 4.90.

2. Floating interest rate: The floating interest rate is adjusted according to the dynamic situation of the market. The current floating interest rate range is 4.90-7.00.

3. Other interest rates: In addition to the above two interest rates, according to the regulations of Weihai Commercial Bank, customers can choose a special interest rate, which is calculated according to 4.9-9.5. What is the interest rate for commercial loans

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If you need to buy a house, start a business, study abroad, decorate, invest, etc. in life, you can go here Banks provide loans to solve funding problems. As long as the bank's loan conditions are met, the bank will lend. After getting the loan, you can repay the principal and interest to the bank on a monthly basis. So what is the interest rate for commercial loans?

1. What is the commercial loan interest rate?

1. The interest rate of the loan is closely related to the purpose of the loan, the term of the loan, the nature of the loan, the policy of the loan, the difference of the loan bank and other factors. . Our country has stipulated a benchmark interest rate. All major banks only need to determine the loan interest rate based on different factors, that is, increase or decrease the specified benchmark interest rate. The current benchmark interest rate in my country was adjusted and implemented on July 6, 2012:

① The short-term loan for 6 months is 5.6.

②6 months to 1 year is 6.

③1 to 3 years is 6.15.

④ 6.4 from 3 years to 5 years.

⑤ 6.55 for more than 5 years.

2. The housing loan interest rate is a comprehensive evaluation by the bank based on the credit status of the loan, collateral, national policies, etc., and the final loan interest rate is determined. If all aspects of the evaluation are good, different banks will provide Home loan interest rates will vary. When funds are tight, some banks have adjusted first-time home loan interest rates to 1.1 times or 1.05 times the base interest rate. However, the final determination of interest rates needs to be judged based on different banks, different times, and different circumstances.

2. What materials are required for commercial loans?

1. Identity proof materials: ID card, military ID, etc.

2. Marriage certification materials: marriage certificate, divorce certificate, single birth certificate, etc.

3. Proof of purpose: New houses require purchase contracts, down payment invoices, etc. Second-hand houses require the original property certificate, purchase contract, etc. Renovation loans require a contract with the renovation company.

4. Information proving personal repayment ability.

5. Other materials need to be prepared according to the bank’s requirements.

Editor’s summary: Doctor is the article that the editor shared with you today. What is the commercial loan interest rate and what materials are required for commercial loans. I hope that the article shared by the editor can help everyone.

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Enter the area and get a free decoration quotation. What is the interest rate of commercial loans now?

The annual interest rate of bank loans is as follows: Loans within six months (including 6 months) 4.85 Loans from six months to one year (including 1 year) 4.85 Loans from one to three years (including 3 years) 5.25 Loans from three to five years (including 5 years) 5.25 Loans over five years 5.40 As for the number of years, let me give you an example. For a loan of 100,000 yuan, the monthly payment and total interest repayment method of the equal principal and interest repayment method for 20 years and 30 years are as follows: 20 years for the equal principal and interest repayment method: total loan amount 100,000.00 yuan, number of repayment months 240 monthly repayments of 682.25 yuan, total interest paid of 63740.38 yuan, total principal and interest of 163740.38 yuan, equal principal and interest repayment method for 30 years: total loan amount 100000.00 yuan, number of repayment months 360 monthly repayments of 561.53 yuan, total interest paid of 102151.09 yuan, total principal and interest of 202151.09 yuan