The bank's loan interest rate is 4.35% within one year (inclusive) and 4.9% for loans over five years. Mortgage interest rate is the default floating interest rate, that is, the interest rate calculated based on LPR and the basis point is the final mortgage interest rate. LPR will change. The interest rate of LPR in June 2020 165438+ 10 is 3.85% for one year; The five-year period is 4.65%.
Extended data:
Bank mortgage interest is generally calculated according to the benchmark interest rate of the central bank, and different banks have different floating standards; Take the mortgage interest rate of Shenzhen Commercial Bank as an example:
1. Bank of China, Industry, Agriculture, Construction, Zhao Zhao and Beijing: the interest rate of the first suite rises 10% (5.39% for five years or more), and the interest rate of the second suite rises 15% (5.635% for five years or more);
2. Bank of Communications: the interest rate of the first suite rises 15% (5.635% for more than five years), and that of the second suite rises by 20% (5.88% for more than five years);
3. Industrial Bank: the interest rate of the first suite rises 15% (5.635% for more than five years), and the interest rate of the second suite rises by 40% (6.86% for more than five years).
Which bank has low loan interest now?
It is the four major banks and local support banks.
1, four lines
Among many banks, to ask which bank has the lowest interest rate, the interest rates of the four major banks are definitely lower than those of other commercial banks. According to the latest loan interest rate of 202 1, the lowest loan interest rate of the four major banks is 4.9% for five years, while the lowest loan interest rate below five years can reach 4.75%.
However, it should be noted that if you want to apply for loans in the four major banks, the threshold for applying for loans is still relatively high. As state-owned enterprises, the four major banks have relatively strict qualification requirements for borrowers.
In addition to the lender's personal credit information, other qualifications also need to meet the requirements of the bank.
2. Local support banks
If the lender can't handle the mortgage in the four major banks, then he can choose some local banks with policy support. For example, a lender in Dalian can apply for a loan in bank of dalian. As a local, bank of dalian usually gives some preferential loan interest rates.
And with the support of policies, such banks will be better than other commercial banks in loan amount and loan time.
Generally speaking, when banks apply for loans, if they want to choose low-interest and reliable loans, it is definitely right to choose the four major banks.
But lenders also need to judge according to their own qualifications. The better their personal qualifications, the higher the loan amount they can apply for and the lower the loan interest rate they can apply for.
Extended data:
Interest is the use fee of money in a certain period of time, and it refers to the reward that money holders (creditors) get from borrowers (debtors) for lending money or monetary capital.
Including deposit interest, loan interest and interest generated by various bonds.
Under the capitalist system, the source of interest is the surplus value created by hired workers. The essence of interest is a special transformation form of surplus value and a part of profit.
Every enterprise has to borrow money from the bank in the process of production and operation, and how to calculate the loan interest.
Under the requirements of the new accounting standards, when borrowing short-term, take short-term loans as an example to record loan interest.
For example, an enterprise borrows money from ICBC, the amount is 654.38+0 million, the time is three months, and the interest rate is 9%. How to deal with the financial personnel? There are several specific steps:
When the loan is obtained, the borrower of the bank deposit account can be credited with 6,543.8+0,000, and the short-term loan account can be credited with 6,543.8+0,000.
Interest can be accrued or not, and there are two aspects of direct payment at maturity.
First, it does not bear interest. When it is paid directly after maturity, it can be credited to the short-term borrower, with the amount of 6,543.8+0,000, the financial expense accounting debit, with the amount of 22,500, and the bank deposit accounting credit, with the amount of 6,543.8+0,225.
Second, if the interest is accrued on a monthly basis, the financial expense account with an amount of 750,000 can be debited when the interest is accrued in the first month, and the interest payable or accrued expense account with an amount of 750,000 can be credited. Take the first month as an example, several consecutive accounting entries are the same. When the loan interest expires, you can debit the short-term loan account with the amount of 1 10,000. Debit account of interest payable or accrued expenses 22, 500 yuan, credit account of bank deposit 65,438+0,022, 500 yuan.
As the occupation cost of an enterprise, interest directly affects the economic benefits of the enterprise. In order to reduce costs and improve efficiency, enterprises should do everything possible to reduce the amount of funds, and at the same time compare the costs of various financing methods in the process of financing. If enterprises in the whole society regard saving interest expenses as a common behavior mode, then the efficiency of economic growth will certainly be improved.
Housing commercial loan interest rate 20 18
When buying a house, many people can't pay off all the house payment in one lump sum, so they will choose to take commercial loans from banks. Before making commercial loans, you need to know the interest rates of commercial housing loans of major banks. So what is the commercial housing loan interest rate of 20 18? Next, let's take a look at Bian Xiao.
I. 20 18 year central bank benchmark interest rate
According to the latest interest rate adjustment of the Bank of China. We make a commercial housing loan. If the loan term is within 1 year, then its interest rate is 4.35%. If we apply to the bank for a short-term commercial loan of 1 to more than 5 years, then its interest rate is 4.75%. If you apply for a long-term loan for more than five years, the interest rate is 4.9%.
Second, the commercial loan interest rates of major banks.
The commercial loan interest rate of most banks in China is implemented according to the commercial loan interest rate of the central bank. For example, major banks such as industry and commerce, agriculture, construction, investment promotion, Shanghai Pudong Development Bank, China Everbright Bank, CITIC Bank, Ping An Bank and Huaxia Bank. Some banks will adjust the benchmark interest rates set by the central bank, such as Bank of Communications, China Everbright Bank, China Guangfa Bank and Minsheng Bank. And will set the benchmark interest rate set by the central bank with the rediscount rate as the lower limit.
Shenzhen Development Bank, Harbin Bank and Hang Seng Bank will raise the benchmark interest rates set by the central bank. For example, Hang Seng Bank's short-term loan interest rate is 5.6% within six months, and if it is a commercial loan within six months to 1 year, its interest rate is 6.0%. If you apply for a commercial loan from Hang Seng Bank for one to three years, the interest rate is 6. 150%. If the loan term is three to five years, its interest rate is 6.40%. If the loan term is five years, its interest rate is 6.55%.
Three. Banking policy
The loan interest rate of banks will also be affected by policies. Usually, the loan interest rates of major domestic banks for the first suite are discounted. The discount strength may be different in different regions. For example, we list loans with a maturity of more than five years. In Nanjing, Changsha, Xiamen, Wuhan and other regions, the lowest interest rate for the first suite is 10%, and the interest rate is 4.4 1%. In Zhengzhou, Hangzhou, Chongqing and other regions, the lowest interest rate for the first suite is 15%, and the interest rate is 4.38%. If you buy a second home, most banks will adjust their mortgage interest rate to about 1. 1 times the benchmark interest rate, that is, 5.39%.
Bian Xiao concluded: Bian Xiao introduced the interest rate of commercial housing loans at 20 18. Different banks have different preferential policies for the interest rate of the first home commercial loan. When handling commercial housing loans, it is best to ask if there are any preferential policies first.
List of major banks with mortgage interest rate of 202 1
Mortgage rates of major banks:
1, China Construction Bank
The first interest rate is 5.9%(LPR 125BP) and the second interest rate is 6.35%(LPR 170BP).
2. Industrial and Commercial Bank of China
The first interest rate is 5.9%(LPR 125BP), and the second interest rate is 6. 1%(LPR 145BP).
3. Agricultural Bank of China
The first interest rate is 5.8%(LPR 1 15BP), and the second interest rate is 5.95‰(LPR 130BP).
4. Bank of China
The first interest rate is 6.35%(LPR 170BP) and the second interest rate is 6.5%(LPR 150BP).
At present, the major banks in China are Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank, Bank of Communications and Postal Savings Bank. These relatively large bank loan interest rates are based on the benchmark interest rate of the central bank.
The interest rate for more than one year (including one year) is 4.35%; The interest rate for one year to five years (including five years) is 4.75%; For more than five years, the interest rate is 4.9%; The loan interest rate for using the provident fund for less than five years (including five years) is 2.75%, and the loan interest rate for more than five years is 3.25%.
On April 20th, 2002 1 year, the loan market quoted interest rate (LPR) was:1year LPR was 3.85% and 5-year LPR was 4.65%. The above LPR is valid until the next LPR version.
The loan market quotation (LPR) is quoted by the quoting banks according to the open market operating interest rate (mainly referring to the medium-term lending convenience rate), and is calculated by the National Interbank Funding Center to provide pricing reference for bank loans. LPR quotation banks now include 65,438+08 banks. Before 9: 00 on the 20th of each month (postponed in case of holidays), each quotation bank shall submit the quotation to the National Interbank Funding Center in steps of 0.05 percentage point. After excluding the highest and lowest quotations, the National Interbank Funding Center calculates the LPR arithmetically, rounding it to the nearest integer multiple of 0.05%, which will be announced at 9: 30 on the same day, and the public can borrow money from banks nationwide. At present, LPR includes 1 year and more than 5 years. According to the announcement of the People's Bank of China (Announcement [20 19]No. 15), the quotation rate (LPR) of the loan mall will be calculated according to the new composition mechanism from August 20, 20 19.