When an enterprise lends money to a bank, it shall calculate the interest according to the commercial loan interest rate and loan term of the lending bank. The calculation formula is: interest = principal × interest rate × term.
Different bank loan interest rates are different, but they all fluctuate on the benchmark interest rate of the central bank. Take Bank of China as an example:
1. Short-term loan: within one year (inclusive), with annual interest rate of 4.35%. The interest on a loan of 30,000 yuan for one year is 1.305 yuan.
2. Medium and long-term loans: the annual interest rate for one year to five years (inclusive) is 4.75%; The annual interest rate for more than five years is 4.9%. Three-year interest of 30,000 yuan loan is 4,275 yuan; The interest on a six-year loan is 8820 yuan.
Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator.
In civil law, interest is the legal fruit of principal.
Repayment method
(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;
(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;
(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.
(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.
(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.
interest rate
(1) interest rate
The proportion of interest in the total loan funds within a certain period is the manifestation of the loan price. Namely: interest rate = interest amount/loan principal.
Interest rates are divided into daily interest rates, monthly interest rates and annual interest rates.
The lender determines the loan interest rate with the lending bank according to the benchmark interest rate and interest rate floating space announced by relevant laws and regulations of various countries.
(2) benchmark interest rate
The benchmark interest rate is a universal reference interest rate in the financial market, and other interest rate levels or financial asset prices can be determined according to this benchmark interest rate level. Benchmark interest rate is one of the important prerequisites for interest rate marketization. Under the condition of interest rate marketization, financiers measure financing costs, investors calculate investment returns, and management regulates macroeconomics. Objectively, a universally recognized benchmark interest rate level is needed as a reference. Therefore, in a sense, the benchmark interest rate is the core of the formation of interest rate marketization mechanism. Simply put, you usually deposit money in the bank and he gives you interest. The greater the benchmark interest rate, the more interest; The smaller the benchmark interest rate, the smaller the interest.
How to get the lowest bank loan interest rate
First, choose the bank with the lowest interest rate to apply for a loan.
Although the central bank has introduced the benchmark interest rate, the interest rates of all banks will rise above the benchmark interest rate, and the specific floating situation is different from bank to bank. Therefore, in order to get the lowest bank loan interest rate, we must "shop around" and then choose the bank with the lowest interest rate.
Second, pay attention to personal credit reporting and maintain good credit reporting.
Bank loan interest rates are all calculated by computers based on personal credit information, income, work and other information. In other cases, you can only keep your credit information and try to repay your credit card on time to avoid overdue.
What is the general interest rate for corporate loans?
What is the general interest rate for corporate loans?
The interest rate of corporate loans will fluctuate on the benchmark interest rate stipulated by the People's Bank of China, and the specific floating ratio varies from bank to bank.
20 19 The commercial loan interest rate stipulated by the People's Bank of China is 4.35% within one year, 4.75% within one to five years and 4.90% over five years.
According to the mainstream loan types, bank loans can be divided into commercial loan interest rates, automobile loan interest rates and provident fund loan interest rates. The following is a list of bank loan interest rates.
1. The loan term is less than one year (including one year), and the loan interest rate is 4.35%.
2. The loan term is one to five years (including five years), and the loan interest rate is 4.75%.
3. The loan term is more than five years, and the loan interest rate is 4.90%.
Personal housing loans usually use commercial loan interest rates. At present, the interest rate of commercial bank loans has gone up 10%-30%.
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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%.