According to the notice of the central bank:
Central bank loan benchmark interest rate:
(1) Short-term loan: within one year (including one year), and the adjusted interest rate is 4.35.
(2) Medium and long-term loans: the adjusted interest rate is 4.75 for one to five years (including five years); The adjusted interest rate for more than five years is 4.90.
(3) Personal housing provident fund loan: after five years (including five years), the menu adjustment interest rate is 2.75; The adjusted interest rate for more than five years is 3.25.
Agricultural Bank, the interest rate of short-term loans (within six months, including six months) is 4.35%; The loan interest rate for half a year to one year (including one year) is 4.35%. The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%.
If it is a provident fund loan, the loan interest rate for less than five years (including five years) is 2.75%; The loan interest rate for more than five years is 3.25%.
The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when they issue loans. It is mainly divided into three categories: the loan interest rate of the central bank to commercial banks; The loan interest rate of commercial banks to customers; Interbank lending rate
The decisive factors of bank loan interest are:
1, bank cost. Any economic activity needs cost-benefit comparison. There are two types of bank costs: borrowing costs-prepaid interest on borrowed funds; Additional cost-the cost of normal business.
2. Average profit rate. Interest is the subdivision of profit, which must be less than the profit rate, and the average profit rate is the highest limit of interest.
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What's the interest rate for commercial loans?
If you need to buy a house, start a business, study abroad, decorate and invest, etc. In life, you can go to the bank for a loan to solve the financial problem. As long as you meet the loan conditions of the bank, the bank will lend money and repay the principal and interest to the bank on a monthly basis after you get the loan. What's the interest rate for commercial loans?
1. What's the interest rate for commercial loans?
1. The loan interest rate is closely related to the purpose, duration, nature, policy and bank of the loan. China has a benchmark interest rate, and major banks only need to determine the loan interest rate according to different factors, that is, raise or lower the benchmark interest rate. At present, the benchmark interest rate implemented in China was adjusted and implemented on July 6, 20 12:
① The short-term loan for 6 months is 5.6%.
②6% from 6 months to 1 year.
③ 1 to 3 years is 6. 15%.
④3 to 5 years is 6.4%.
5 years or more, 6.55%.
2. Housing loan interest rate refers to the bank's comprehensive evaluation according to the credit status, collateral and national policies of the loan, and finally determines the loan interest rate. If all aspects are in good condition after evaluation, the interest rates of housing loans given by different banks will be different. When funds are tight, some banks adjust the interest rate of the first home loan to 1. 1 times and 1.05 times of the benchmark interest rate. However, the final determination of interest rate needs to be judged according to different banks, different times and different situations.
2. What materials should be provided for commercial loans?
1, identification materials: ID card, military officer's card, etc.
2. Marriage certification materials: marriage certificate, divorce certificate, one-child certificate, etc.
3. Proof of use: the new house needs a purchase contract and a down payment invoice. Second-hand housing needs the original real estate license, purchase contract, etc. Decoration loan needs to sign a contract with the decoration company.
4. Information proving personal repayment ability.
5. Other materials that need to be prepared according to the requirements of the bank.
Bian Xiao concluded: Dr. Bian Xiao shared an article for you today. What is the interest rate of commercial loans and what materials should be provided for commercial loans? I hope the article shared by Bian Xiao can help everyone.
How much is the interest on the bank loan?
The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%.
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development.
The introduction of the annual interest rate of commercial bank loans is so much.