Microfinance companies are important private lending institutions, with low application threshold, fast lending and simple materials. Compared with bank loans, small company loans are more flexible and convenient. Then, what is the expected annualized interest rate of microfinance companies in 20 15 years? There are corresponding standards for the formulation of the expected annualized interest rate of microfinance companies. The lower limit is 2 times the expected annualized interest rate of the benchmark loan announced by the People's Bank of China, and the upper limit of the expected annualized interest rate of the loan is released, but it shall not exceed the upper limit set by the judicial department, that is, 4 times the expected annualized interest rate of the bank in the same period. The loans of microfinance companies are generally within 1 year. Since the central bank cut interest rates, the expected annualized interest rate of one-year loans is that if the expected annualized interest rate of bank loans does not rise and only the benchmark level is implemented, the expected annualized interest rate of one-year loans of small companies will not rise for a long time, and the expected annualized interest rate of bank loans will generally rise. Overall, the expected annualized interest rate of small loan companies will not exceed 25% at most. If you withdraw cash by credit card, the daily interest rate is five ten thousandths, which translates into the expected annualized interest rate of 18%. The expected annualized interest rate of microfinance companies is generally higher than that of bank loans. But it depends on the specific situation. If the lender's credit status is good, it is easier to obtain a lower expected annualized interest rate.