At present, the benchmark "annual interest rate" for individual (RMB) loans of 0- 1 year (including 1 year) announced by the People's Bank of China is 4.35%; The benchmark annual interest rate for 1-5 years (including 5 years) is 4.75%; The benchmark "annual interest rate" for five years is 4.9%. 1. Interest rate of personal loans to banks:1; Loans within one year (inclusive): 4.35%; 2. Loans from one year to five years (inclusive): 4.75%; 3. Loans for more than five years: 4.90%; Provident fund loans, less than five years (including five years): 2.75%, more than five years: 3.25%. Second, the conditions for individuals to apply for bank loans. When applying for individual housing provident fund loans, it must comply with the provisions of the housing provident fund management department on housing provident fund loans. The basic conditions to be met include: 1, permanent residence in cities and towns or valid residence status; 2. Participate in the housing provident fund and pay it normally; 3, a stable economic income, good credit, the ability to repay the loan principal and interest; 4. There are legal and effective certificates such as contracts and agreements for the purchase and overhaul of housing; 5. Self-raised funds above the minimum amount are guaranteed to be used to pay the down payment of the purchased (overhauled) house; 6. There are assets that meet the conditions of mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors. Apply for individual housing portfolio loans, as long as they meet the loan conditions of both individual housing mortgage loans and individual housing provident fund loans. It should be noted that the lenders (main lenders) of portfolio loans must be the same person. Legal basis: Provisions of the Supreme People on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 30 Lenders and borrowers have agreed on overdue interest rates, liquidated damages or other expenses. Lenders can choose to claim overdue interest, liquidated damages or other expenses, or both, but the people will not support the part that exceeds the quoted interest rate of the one-year loan market at the time of the establishment of the contract. Thirty-second after the implementation of these provisions, these provisions shall apply to the new cases of private lending accepted by the people's courts of first instance. If the lending behavior occurred before August 20, 2009+2065438, the upper limit of the protection interest rate can be determined by referring to the quoted interest rate of the plaintiff's one-year loan market at that time. Summary: What is the annual interest rate of personal loans? At present, the benchmark "annual interest rate" for individual (RMB) loans of 0- 1 year (including 1 year) announced by the People's Bank of China is 4.35%; The benchmark annual interest rate for 1-5 years (including 5 years) is 4.75%; The benchmark "annual interest rate" for five years is 4.9%.

2. What is the tax rate for individuals to collect interest and issue invoices?

The interest charged by ordinary taxpayers is 6%. When issuing special VAT tickets, the other party shall not deduct the input tax.

Notice of State Taxation Administration of The People's Republic of China, Ministry of Finance on Comprehensively Promoting the Pilot of Changing Business Tax to VAT (Caishui [2065438+06] No.36);

Article 15 VAT rate:

(a) taxpayers engaged in taxable activities, the tax rate is 6%, except as stipulated in items (2), (3) and (4) of this article.

(2) Providing transportation, postal services, basic telecommunications, construction and real estate leasing services, selling real estate and transferring land use rights at the tax rate of 1 1%.

(3) Providing tangible movable property leasing services at the tax rate of 17%.

(4) Cross-border taxable acts of domestic units and individuals, with a tax rate of zero. The specific scope shall be stipulated separately by the Ministry of Finance of People's Republic of China (PRC) and State Taxation Administration of The People's Republic of China.

Notice of the Ministry of Finance State Taxation Administration of The People's Republic of China on Promoting the Pilot Work of Changing Business Tax to VAT (Caishui [20 1 6] No.36): Annex1Implementation Measures for the Pilot Work of Changing Business Tax to VAT;

Article 27 The input tax of the following items shall not be deducted from the output tax:

(1) Goods purchased, processing, repair and replacement services, services, intangible assets and real estate used for simple taxable items, items exempted from value-added tax, collective welfare or personal consumption. The fixed assets, intangible assets and real estate involved only refer to the fixed assets, intangible assets (excluding other equity intangible assets) and real estate dedicated to the above projects.

Taxpayers' social and entertainment consumption belongs to personal consumption.

(two) abnormal loss of purchased goods, and related processing, repair and replacement services and transportation services.

(3) Goods purchased (excluding fixed assets), processing and repair services and transportation services consumed by products in process and finished products with abnormal losses.

(four) the abnormal loss of real estate, as well as the commodity procurement, design services and construction services consumed by the real estate.

(5) Goods purchased, design services and construction services consumed by the real estate under construction with abnormal losses.

Taxpayers' newly built, rebuilt, expanded, repaired and renovated real estates are all real estate projects under construction.

(six) the purchase of passenger services, loan services, catering services, residents' daily services and entertainment services.

(seven) other circumstances stipulated by the Ministry of Finance of People's Republic of China (PRC) and State Taxation Administration of The People's Republic of China.

3. What is the interest rate of personal consumption loan?

The amount of loan interest mainly depends on the loan interest rate and repayment method of each lending institution.

On the one hand, the loan interest rate generally fluctuates reasonably within the national benchmark interest rate set by the central bank. The benchmark loan interest rate set by the central bank this year is: 5.6% for six months; 6% a year; 1~3 years 6.15%; 3~5 years 6.4%; More than five years, 6.55%.

However, in the actual process of handling loans, there are certain differences in loan interest rates. The interest rates of various loan businesses of China Agricultural Bank this year are: personal consumption mortgage loan15 ~ 20%; Comprehensive credit loan10 ~ 20%; Capgemini loan 0.65% (month); 30% salary loan.

On the other hand, no matter what kind of loan method is chosen, there is a standard and unified calculation method for loan interest:

Loan interest of the current month = monthly interest rate of the remaining principal loan of the previous month.

Repayment of principal in the current month = repayment amount in the current month-loan interest in the current month

Last month's remaining principal = total loan amount-accumulated principal repayment

In addition, after comparing and calculating the interest rates of various loan businesses, once the loan is successful, you should always remind yourself to repay it on time, and it is best not to overdue it, because these bad behaviors will be recorded in the bank's personal credit record, which will affect the bank's credit evaluation of individuals, and even more seriously, it will directly affect the applicant's next loan.

4. What is the interest rate of personal consumption loan?

Because many personal consumption loans are unsecured and unsecured credit loans, the loan risk is high. In addition, the groups that issue loans are mostly ordinary wage earners, and there are unstable factors, which further strengthens the loan risk. Consumer finance needs to effectively guard against default risk in product design and flexibly adjust interest rates according to risk changes.

At present, the company's interest rate range is less than four times the benchmark interest rate, and this pricing is formulated in accordance with the principle of "the pricing of consumer finance loans should match the credit risk" of CBRC. The company's operating cost is high, on the one hand, because the company can't absorb deposits like a savings bank, which leads to high financing cost; On the other hand, the unique customer orientation also makes its risk cost higher.