Small and medium-sized enterprises will inevitably encounter problems, so most people will choose to apply for commercial loans from banks for business operations. When you apply for a loan, you must be most concerned about the interest rate. If the interest rate is too high, people are reluctant to choose this bank. So what are the operating loan interest rates of major banks? The following contents are inquired by Fatu Bian Xiao for you.
At present, the benchmark interest rate for one-year loans is 7.47%, and banks have different interest rate policies for personal business loans. Generally, it will be 5%- 10% higher than the benchmark interest rate. But it is also divided into customers. For high-quality customers of banks, a lower standard interest rate can be applied. However, no matter how preferential it is, the upper limit of national policy is at most 10%.
I. China Construction Bank:
Wealth link: the net value of houses is 70%, the net value of shops and offices is 60%, and the net value of factories is 50%. Caitong's loan methods include guarantee, mortgage and mortgage guarantee, which can be enlarged to 65,438+000 _, 90% of commercial loans (guarantee companies or individuals can guarantee) and 80% of factory buildings. The maximum loan is100000 yuan, and the interest rate rises by 20_. In addition, the annual fee 1.5_ is charged according to the loan term, and it is charged at one time. The longest loan is 5 years. When Fortune Connect is over 500,000 yuan, the borrower requires that the loan funds be transferred to the account of the borrower's business unit, and the borrower, business unit and handling unit shall sign the Supplementary Agreement on Supervision of Transaction Funds to ensure entrusted payment and transfer the loan funds to the counterparty account.
Auxiliary loan: the net loan value is 70%, which cannot be added. If the interest rate rises by 20_, an annual fee of 1.5_ will be charged at one time.
What is the loan interest rate of Chengdu enterprises?
Under normal circumstances, the interest rate of corporate loans is 4%-5%, but the interest rate is not fixed. You can go to WeChat to search for the Green Donkey applet and get a preliminary understanding of the current interest rate standard for loans.
What is the annual interest rate of the company loan?
1. The annual interest rate of corporate loans varies from bank to bank. Under normal circumstances, the interest rate of corporate loans rises according to the benchmark interest rate of the central bank, and the floating rate of each bank is different. The details shall be subject to the audit results.
2. 1. Short-term loans:
3. One year includes one year, and the interest rate is 4.35%;
4. Medium and long-term loans:
5. One to five years inclusive, with an interest rate of 4.75%;
6. The interest rate over five years is 4.90%;
7, 3, provident fund loan interest rate, within five years (including five years) 2.75%;
8, more than five years 3.25%.