What is the interest rate of credit loans of various banks?

Which bank has the lowest interest on credit loans?

1, China Merchants Bank. The credit loan lightning loan launched by China Merchants Bank can get a 10% discount on Monday, and the discount rate is not lower than the annualized interest rate of 5.04%.

2. China Construction Bank. Credit loans, CCB fast loans, as low as 4.35%, but the specific interest rate needs to be differentiated according to the borrower's credit and contribution.

3. Agricultural Bank. The credit loan launched, Agricultural Bank of China Online Loan, has a maximum loan amount of 200,000, and users who sign a new one-year contract can enjoy a minimum interest rate discount of 4.35%-4.5%.

4. Postal Savings Bank provides credit loans-postal loans-up to 200,000, with an annual interest rate of 4.35%-7.05%, and adopts differentiated interest rates according to the qualifications of borrowers.

Lightning loan

Lightning loan: China Merchants Bank Lightning loan is an online loan product launched by China Merchants Bank. At present, only users who have received the invitation of China Merchants Bank lightning loan can apply for China Merchants Bank lightning loan. After the lightning loan application of China Merchants Bank is successful, the money will be distributed to the user's China Merchants Bank card within 24 hours. After the funds arrive at the CMB card, users can use the card for other operations normally, and can transfer money and withdraw cash. "Lightning Loan" is a full-line personal online loan product provided by China Merchants Bank for its retail customers. As long as the customer meets the loan credit conditions of China Merchants Bank, China Merchants Bank will take the initiative to verify the application qualification of the loan quota for the customer and notify the customer by SMS. Compared with the traditional loan business, the procedures of "lightning loan" products are simpler and more convenient. Customers can apply for loans through China Merchants Bank's mobile banking, and the China Merchants Bank system will automatically complete the loan approval and lending.

How much is the interest on the bank loan?

Our daily life is closely related to banks, and we can say that we are dealing with banks every day. As big as buying a car and buying a house, as small as every small expenditure, you have to deduct money from the bank. We contact the bank every day, but when it comes to the loan, we don't know the interest of the bank loan. How much money to pay back every month is what every borrower cares about. Because each bank's loan interest is different, it is necessary to do your homework in advance and understand the bank's loan interest. Then let's look at the interest rates of various bank loans.

At present, the central bank sets the interest rate as one-year benchmark interest rate of 4.35%, 1-3 years (including 3 years) of 4.75%, 3-5 years (including 5 years) of 4.75% and 5-30 years (including 30 years) of 4.90%.

At present, the benchmark interest rate of bank loans in China is set by the People's Bank of China, and then the major banks fluctuate according to the prescribed range. Among them, the floating range of commercial banks, urban credit cooperatives and other financial institutions is between 0.9%- 1.7%, which means that the central bank allows major banks to rise by 70% and fall by 10% on the basis of the benchmark interest rate. Because the interest of bank loans is calculated according to the interest rate, the interest rate and loan amount of each bank are different, and the interest is also different.

Banks always have three kinds of loans, namely mortgage loans, credit loans and commercial loans. Because the loan conditions are different, the interest rate and interest rate are different.

Mortgage loan:

1. Mortgage loan is used for business operation.

The general loan amount can be applied to 70% of the real estate appraisal value. The loan interest rate should rise by more than 20% on the basis of the benchmark interest rate of the central bank according to the bank's policies and the borrower's conditions. The loan period is generally set at 5 years.

2. Mortgage loan is used for personal consumption

If the mortgage loan is used for personal consumption, the loan interest rate can rise by 10% on the basis of the benchmark interest rate of the central bank. The assets mortgaged in this way generally have a mortgage life of 10 years.

Mortgage is used to buy a house.

If the mortgage borrower uses it to buy a house, the bank's loan interest rate is 1. 1 times the original benchmark interest rate. The loan time has also been shortened from the original 20 years to 10 years.

When handling mortgage loans, the borrower's loan period has a certain relationship with his own qualifications. If his personal credit is good and his repayment ability is strong, his loan amount will be higher.

Credit loan:

The interest of general credit loans is higher than other loan methods. Because credit loans are unsecured loans, the procedures are relatively simple and the threshold is relatively low, so the interest is higher than ordinary loans. At present, the interest rates of unsecured credit loans of major banks are floating on the basis of the central bank's benchmark interest rate, at least by 30%. Calculated by the loan for five years, the interest rate for five years is about 6. 18%. When we make a loan, we should calculate the monthly repayment amount to see if we can afford it.

If credit loans are used for personal consumption, such as tourism, daily consumption, durable goods consumption, etc., you can choose credit products with small loan amount and low interest, such as China Construction Bank and Bank of Communications. If our credit loan is used for decoration, car purchase or other consumption with large demand for funds, you can choose credit loan products with high loan amount, low interest and long loan period.

However, it should be noted that there are many factors affecting credit loans, including credit application, assets and repayment ability of loans.

Commercial loans:

Commercial loans, also known as "personal housing loans", buyers pay a down payment when buying a house, and then pay a certain amount of principal and interest to the bank every month. The annual interest rate of commercial loans is 1 year or above 4.35%, 1 to 5 years (inclusive) 4.75%, and 5 years or above 4.90%. For provident fund loans below 1 year, the tax rate is 2.75%, 1-3 years is 2.75%, 3-5 years is 2.75%, and 5 years and above is 3.25%. Affected by the policy of restricting purchases and loans, major banks have adjusted the interest rate of the first home loan to varying degrees. According to statistics, the average interest rate of the first suite is 5.38%, the interest rate generally rises by 5%-20%, the second suite rises by 10%-30%, and the interest rate of provident fund loans rises by 10%.

Generally speaking, the interest of bank loans is calculated according to the interest rate. The interest rate and loan amount of each bank are different, so the interest is different. The benchmark annual interest rate set by the central bank is 4.35%, 1-3 year interest rate is 4.75%, 3-5 year interest rate is 4.75%, and 5-30 year interest rate is 4.90%. On the basis of the benchmark interest rate, major banks fluctuate within a reasonable range, that is to say, the maximum fluctuation range is 70%, and the downward fluctuation range is 10%. The above is my answer to the bank loan interest rate, I hope it will help you.

What are the loan interest rates of major banks?

The loan interest rates of major banks are based on the benchmark interest rate set by the central bank, and the loan interest rates of various banks are different. The benchmark interest rate of central bank loans is 4.35% for six months, 4.75% for one year and 4.9% for one to five years. Major banks can fluctuate according to the benchmark interest rate, and the upper limit of bank loan interest rate is no longer limited, and the lower limit is 0.9 times of the benchmark interest rate. However, there is still an upper limit on the loan interest rate of credit cooperatives, which requires that the upper limit of the loan interest rate of credit cooperatives should not be higher than 2.3 times the benchmark interest rate.