China Bank Personal Commercial Loan Interest Rate Inquiry:
When providing personal loan services, BOC will comprehensively consider the regulatory requirements, borrower qualifications, loan purposes, guarantee methods, business costs and other factors to reasonably determine the final interest rate of loans. Because the above factors are quite different in different loan products, the corresponding loan interest rates are also different. For all loan types, there are benchmark interest rates, preferential interest rates and floating interest rates. When applying for personal loan products of BOC, the loan interest rate should be consulted in detail with local BOC institutions. Benchmark Interest Rate You can log on to the official website of Bank of China () and click on the deposit/loan interest rate in the financial market to inquire. You can also enter the online customer service manual service of Bank of China and call the customer service hotline of Bank of China at 95566 (overseas, Hong Kong, Macao and Taiwan please call 86 10-95566) for consultation.
The above contents are for your reference. Please refer to the actual business regulations.
How to inquire about the loan interest rate of China People's Bank?
At present, the benchmark interest rate of personal commercial loans of China Bank is the same as that of China People's Bank. You can check the RMB loan interest rate table in the financial data-deposit and loan interest rate of our portal website. For details, please contact the official service hotline of China Bank at 95566. You can also contact the local people's bank directly.
Welcome to download China Bank Mobile Banking or pay attention to "China Bank Micro Banking" to handle business.
The above contents are for your reference. Please refer to the actual business regulations.
How to inquire about the bank loan interest rate?
Bank loans are generally in the name of my ID card, and the credit information systems of major banks are networked. You can find all loans by bringing your valid ID card to the loan department of any bank. In addition, personal bank loans can also be inquired through the credit information system of the People's Bank of China, but the inquiry should not be too frequent, otherwise it will discredit the credit information report.
Bank loans are the most formal and reliable, but the audit conditions are also strict. If there is demand and meets the conditions of bank loans, it is best to use bank loans instead of applying for online loans.
Bank deposit and loan interest rates are as follows:
1, current account, 0.35%
2. The interest rates are as follows:
Three months, 1. 10%
Half a year, 1.30%
One year, 1.50%
Two years, 2. 10%
Three years, 2.75%
3. Interest rates of various loans:
Six months, 4.35%
One year, 4.75%
One to five years, 4.90%
4, provident fund loan interest rate:
Less than five years (including five years), 2.75%
More than five years, 3.25%
Conditions for applying for bank loan business:
1, 18 to 65 years old natural person;
2. The borrower's actual age plus the loan application period shall not exceed 70 years old;
3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;
4. Good credit information, no bad records, and legal use of the loan;
5. Meet other conditions stipulated by the bank.
If you meet the above conditions, you can apply for a loan business at a local bank.
: ICBC loan interest rate inquiry method:
1, enter China Industrial and Commercial Bank official website through search, and enter China Industrial and Commercial Bank homepage;
2. Select "Financial Information" in the upper right corner of the homepage of China Industrial and Commercial Bank;
3. Click to select "RMB loan interest rate table",
4. After opening it, you can clearly see the loan interest rate of ICBC.
Deposit of urban and rural residents and units (1) current 0.36 (2) fixed term 1. Three months 1.7 1 half a year 1.98 one year 2.25 two years 2.79 three years 3.33 five years 3.602. Deposit and withdrawal in lump sum, deposit and interest for one year.
Agreement deposit 1. 17
Call deposit. One day 0.8 1 seven days 1.3520 10 RMB loan interest table item annual interest rate% 1. Short-term loans for six months (inclusive) 4.86 six months to one year (inclusive) 5.3 1 2. Medium and long-term loans for one to three years (inclusive) 5.40 Three to five years.
Where can I check the bank's loan interest rate?
Bank loan interest rates can be inquired through various channels, including but not limited to official website, telephone and outlets.
1, official website inquiry: The most convenient way is to directly find the official bank you want to inquire, see what the published loan interest rate is, or consult online customer service;
2. Telephone inquiry: directly call the banking service hotline and manually consult the local loan interest rate;
3. Inquiry of outlets: The deposit interest rate and loan interest rate will be publicized on the big screen of bank outlets, and staff can also be consulted.
For ordinary people, applying for a loan is most concerned about the interest rate, which is related to the borrowing cost. If the interest rate is too high, it will increase the heavy burden invisibly, so it is necessary to investigate the loan interest rate in advance. Today, we provide some specific methods to investigate interest rates.
1, online query:
This is the easiest way. Go to the home page of the bank to find specific loan products. Generally speaking, there is a loan interest rate range under each product.
A. Baidu search bank homepage
B Go to the home page, find the product page, and click the product details.
C. check the product interest rate. Otherwise, click Online Call, enter the interest rate, and select the product to query. The call will push the interest rate range of the product.
Operating environment: Baidu version 22.26.0 1.
Note: Interest rate is related to the borrower's personal qualification and loan policy. I can't find the specific figures, and some of them are not even displayed. You need to discuss with the bank yourself or submit a loan application and show it.
2. Telephone consultation:
Basically, all banking financial institutions have professional call systems. The faster way to call the homepage, WeChat, software APP and telephone is to find the phone number of the bank homepage, call directly for consultation and answer directly. You may contact the local branch, and the follow-up staff will contact you.
3. Counter consultation:
This method is the most direct and effective method, because each bank's loan policy is different, and the benchmark interest rate floating standard is also different, so the interest rate difference is obvious. It is recommended to go directly to the bank for consultation, so as to know not only the specific interest rate and amount, but also the products and business processes.
：
The latest benchmark interest rates for bank loans are 4.35% for 0-6 months (including June), 4.35% for June-1 year (including 1 year), and 4.75% for 3 -5 years (including 5 years). On this basis, there will be appropriate downward floating or upward floating.
How to inquire about the bank loan interest rate? You can use these channels!
For ordinary people, applying for a loan is most concerned about the interest rate, which is related to the borrowing cost. If the interest rate is too high, it will inevitably increase the heavy burden, so it is very necessary to inquire about the loan interest rate in advance. Today, we will provide several ways to query interest rates.
1, online query
This is the easiest way. You need to go to Bank official website to find specific loan products. Generally speaking, the range of loan interest rate will be marked under each product, such as the daily interest rate: about five ten thousandths, so that you can calculate the approximate annual interest rate.
1) Baidu search bank official website;
2) Go to the home page, find the product page, and click the product details.
3) Check the product interest rate. If not, you can click online customer service, enter "interest rate", select the product you want to query, and the customer service will push the interest rate range of the product.
Note: Because the interest rate is related to the borrower's personal qualification and loan policy, it is impossible to find the specific figures, and some of them will not even be marked. You need to go to the bank to consult or submit a loan application in person to show it.
2. Telephone consultation
Basically, all banking financial institutions have special customer service systems. Whether it is official website customer service, WeChat customer service, software APP customer service or telephone customer service, you can ask for specific details.
The quicker way is to find the telephone number of the bank in official website and call directly for consultation. Some will answer you directly, and some may be transferred to branches around the country, and the follow-up staff will contact you.
3. Counter consultation
This method is the most direct and effective method, because each bank's loan policy is different and the floating standard of the benchmark interest rate is different, so the interest rate difference is obvious. I suggest you go directly to the bank to ask, so that you can not only know the specific interest rate and quota, but also understand the whole product and business process.
This is the end of the introduction on how to query the bank loan interest rate and how to query the bank loan interest rate. I wonder if you have found the information you need?