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.