China People's Bank Loan Interest Rate Table 20 19, China People's Bank Loan Interest Rate Table 202 1 latest edition.
The interest rate of short-term loans (less than one year) is 4.35%, and the principal and interest will be repaid in installments during the loan period. The loan interest rate for one year to five years (inclusive) is 4.75%, and the short-term loan interest rate for one year to five years (inclusive) is 4.75%.
The interest rate of short-term loans (less than one year) is 4.35%, and the principal and interest will be repaid in installments during the loan period. The loan interest rate for one year to five years (inclusive) is 4.75%, and the loan interest rate for one year to five years (inclusive) is 4.75%.
The interest rate of short-term loans (within one year and one year) is 4.35%. For medium and long-term loans, the loan interest rate for one year to five years (inclusive) is 4.75%.
1.20 19 The lending rates of major banks fluctuate on the benchmark interest rate of the central bank. The benchmark interest rate of the central bank is: the interest rate of short-term loans (within one year) is 4.35%. Medium and long-term loans. The loan interest rate for one year to five years (inclusive) is 4.75%. The loan interest rate for more than five years is 4.90%. Housing provident fund loan. The interest rate for loans with a five-year term or less is 2.75%. The loan interest rate for more than five years is 3.25%.
2. Four common calculation methods of bank loan interest: simple interest method and simple interest method mean that during the loan period, the interest is calculated only according to the loan principal on the agreed interest collection date, and the interest not received in the previous period is not used as the basis for the current interest calculation. Commercial banks in China use simple interest method to collect loan interest. The calculation formula is: interest = loan principal × loan daily interest rate × loan days.
3. Compound interest method The compound interest method means that if the interest of the previous period is not received on the agreed interest collection date within the loan term, the interest of the previous period should be included in the principal as a new interest base, and interest should be collected on this basis. Compound interest is commonly known as "rolling interest". The calculation formula is: principal and interest = loan principal× (1interest rate) n power, and interest = principal× [(1interest rate) n power-1].
4. Discount method refers to the method that the commercial bank deducts interest from the principal in advance when issuing loans, and the borrower repays the principal and interest in installments at maturity. Commercial banks usually use this method when discounting commercial bills for customers. The calculation formula is: interest = loan principal (or face value) × loan days × discount date interest rate.
5. Amortization of principal and interest refers to a method of repaying principal and interest regularly within the loan term. This law is applicable to housing mortgage loans and other loan projects with large amount and long term.
Within one year, including one-year short-term loans, the central bank's benchmark interest rate is 4.35%; For one to five years, including five-year medium-term loans, the benchmark interest rate of the central bank is 4.75%.
The above information is about the latest version of China People's Bank loan interest rate table 20 19 and China People's Bank loan interest rate table 202 1.
What is the loan interest rate for buying a house in Dongguan in 2020?
5.39%-6.37%。 When buying a house in Dongguan, the loan interest rate will generally rise 10%-30% on the benchmark of the central bank, and the loan interest rate for more than five years is 5.39%-6.37%. According to the data of the mortgage interest rate of Dongguan Bank in 2020, the interest rate of the first home loan of big banks will rise by 40%.
What is the loan interest rate of Dongguan Rural Commercial Bank?
The loan interest rate of Dongguan Rural Commercial Bank depends on the length of your loan. There are two general loan interest rates. 1. Short-term loan: within one year (including one year), with annual interest rate of 4.35%; 2. Medium and long-term loans: one to five years (including five years), with an annual interest rate of 4.75%; For more than five years, the annual interest rate is 4.90%.
What is the corporate loan interest rate of Dongguan Rural Commercial Bank?
What is the corporate loan interest rate of Dongguan Rural Commercial Bank?
The corporate loan interest rate of Dongguan Rural Commercial Bank is generally 6.35%-7.35%, and the specific interest rate can be determined according to the specific situation of corporate loans and bank policies.