Normal bank loan interest varies according to different banks, different loan projects and different loan periods. At present, the benchmark interest rate of RMB loans is 4.35% for loans within 6 months (including 6 months); The annual interest rate of loans for six months to one year (including 1 year) is 4.35%; The annual interest rate of loans for one year to three years (including three years) is 4.75%; The annual interest rate of loans for three to five years (including five years) is 4.75%; The annual interest rate of loans over five years is 4.90%.
I'd like to ask how much the general interest is.
First of all, answer directly.
According to the regulations, the loan interest rate of any financial institution shall not exceed 36% of the LPR interest rate of the central bank in the same period.
Second, the specific analysis
Generally speaking, the bank's interest rate will be controlled at about 24% of the LPR interest rate, while the online interest rate will be controlled at 36% of the LPR interest rate.
For example, the one-year interest rate of LPR of the central bank is 3.85% in the same period, so the preferential interest rate of one-year bank loans is generally 4.35%.
When borrowers apply for loans, they need to be evaluated according to their comprehensive qualifications. Generally, their comprehensive scores will be improved by 10%-24%.
In other words, the interest of banks generally fluctuates between 5.0%- 18%.
In the private sector, it will generally rise by about 30% on the basis of LPR interest rate.
Then, according to the loan interest rate of 3.85%, the private benchmark interest rate will generally be around 15%, and then it will fluctuate according to the borrower's personal qualifications, generally around 20%.
If this kind of non-compliant online loan is overdue, it will not affect your personal credit status, but the online loan record will remain in the online loan big data. Search: Winnie Hsin, check your online loan history, overdue details of online loans, debt situation, untrustworthy information, and online loan blacklist.
How much is the interest on a regular bank loan of 35,000 yuan?
Suppose the borrower applies for a loan of 50,000 yuan and the annual interest rate is 15%, then the annual interest rate is 7,500 yuan.
The average monthly interest is 625 yuan.
Of course, each borrower's personal comprehensive qualifications are different, and the loan products are different, and the loan interest rate will also be quite different.
Even the different repayment methods and loan years will have a great impact on the loan interest rate.
What is the loan interest of financial institutions? Just do the math.
Friends who often borrow money may find that the loan interest and interest description of financial institutions are floating within the scope permitted by law, so friends who borrow money are not very clear. For example, what is the specific scope permitted by law? How much is the loan interest? Let's give you a detailed introduction and see what the loan interest of financial institutions is generally.
I. Legal Scope of Loan Interest Rate of Financial Institutions
According to the standard of "two lines and three districts", the legal upper limit is not four times of LPR interest rate, which is only applicable to private lending and not to loans from financial institutions.
"Two lines and three districts" is to divide 24% and 36% of the three districts into two lines. If the annual interest rate is less than 24%, it is guaranteed. If the annual interest rate is between 24% and 36%, it will not be disturbed. If the annual interest rate exceeds 36%, the excess interest will be deemed invalid, and the borrower has the right not to pay or recover.
2. Take China Post's consumer finance as an example. What is the general interest rate?
China Post Consumer Finance is a formal licensed financial company approved by China Banking and Insurance Regulatory Commission, and has a variety of loan products. Except for the annual interest rate of postal savings loans, the annual interest rate of other loan products is between 10.80%-23.76%, and the loan interest rate is completely protected by the judiciary.
Suppose the loan is 10000 yuan, the loan term is one year, and the monthly repayment is equal.
1, minimum annual interest rate 10.8%, total interest = 594438+0 yuan;
2. If the highest annual interest rate is 23.76%, the total interest is = 1333.22 yuan.
In addition, the total interest under the average capital repayment method is less than that under the equal monthly repayment method, and how much less depends on the loan amount.
The above is related to the loan interest of financial institutions. According to this example, the annual loan interest is about 594.438+0-6438+033.22 yuan.
What is the loan interest rate?
At present, the normal annual loan interest rate 14% to 18% is within the normal range. Although yours is a little high, it is within the normal legal range. If the annual interest rate exceeds 24% or even 36, it is absolute. Don't borrow money, the interest is high.
Annualized interest rate refers to the interest rate discounted to the whole year through the inherent rate of return of products.
On March 3, 20021March 3 1 day, the People's Bank of China issued an announcement to make relevant provisions on the annualized interest rate of loan products.
Assuming that the yield period of a wealth management product is one year and the total yield is B, then the annualized interest rate is R.
R=( 1b) minus 1.
On March 3, 20021March 3 1 day, the People's Bank of China issued an announcement to make relevant provisions on the annualized interest rate of loan products.
When marketing through websites, mobile phone applications, posters and other channels, institutions engaged in loan business should show the annualized interest rate to borrowers in an obvious way. Institutions engaged in loan business include, but are not limited to, deposit-taking financial institutions, auto finance companies, consumer finance companies, companies and Internet platforms that provide advertising or display platforms for loan business.
The annualized loan interest rate is calculated according to the ratio of all loan fees charged by the borrower to the actual loan principal, and converted into annualized form. The annualized loan interest rate can be calculated by compound interest or simple interest method: compound interest is calculated by internal rate of return; If the simple interest calculation method is adopted, it should be explained that it is simple interest.
Interest rate refers to the ratio of the amount of interest to the amount of borrowed funds (principal) in a certain period. Interest rate is the main factor that determines the capital cost of enterprises, and it is also the decisive factor for enterprises to raise funds and invest. To study the financial environment, we must pay attention to the current situation and changing trend of interest rates.
Interest rate refers to the ratio of the interest amount due in each period to the par value of the borrowed, deposited or borrowed amount (called the total principal). The total interest of the lent or borrowed amount depends on the total principal, interest rate, compound interest frequency and the length of time of lending, deposit or borrowing. Interest rate is the price that the borrower needs to pay for the money borrowed, and it is also the return that the lender gets by delaying his own consumption and lending it to the borrower. The interest rate is usually calculated by the percentage of one-year interest to the principal.
How much is the loan interest of Gitzo?
1. If you receive a phone call or SMS invitation from Gitzo, the monthly interest for borrowing more than 20,000 yuan will be 2. 17, and no other handling fees will be charged;
2. I haven't received a phone call or SMS invitation from Gitzo, and the monthly interest rate is generally around 2.5.
However, there are many types of Gitzo loans. Counting the specific handling fee and interest, the monthly fee is subject to the actual display on the page.
Jiexian Loan is a consumer loan launched by Gitzo Consumer Finance Company. Applicants can apply as long as they are 20-55 years old, earn more than 2,000 yuan a month and work in the local area for more than 3 months. The maximum loan amount is 65,438+00,000, and the longest loan period is 65,438+02 months. It is short-term consumption.
Gitzo cash loan interest includes normal loan interest, monthly service fee and customer service fee. Gitzo's cash loan interest rate is generally 0.58%, while the monthly service rate and customer service rate are 0.78% and 1.58% respectively. Take Gitzo's cash loan with a term of 5,000 yuan as an example. After the loan expires, the interest is more than 2000 yuan, which is much higher than the cash loan of the bank.
Extended data:
1. Gitzo Jiexian Loan is applicable to new customers who have not applied for Gitzo installment loan. If Gitzo's installment payment has been made, Gitzo's cash loan cannot be made.
2. The current loan cost of Jiexinjie is relatively high, and applicants should apply according to their repayment ability.
3. Gitzo's current loan supports prepayment. If prepayment is required, you need to apply to Gitzo five days before repayment/kloc-0, and there are corresponding procedures for prepayment.
Gitzo loan interest is not only generated by the loan interest rate. Don't just pay attention to the loan interest rate and ignore the hidden interest such as service fee. Gitzo loan has a high interest rate.