The benchmark loan interest rate is 4.75, and the benchmark loan interest rate is 475%. How much is the interest of ten thousand yuan a year?

What is the benchmark interest rate for one to five-year loans announced by the central bank at present?

At present, the benchmark interest rate for one-to five-year loans announced by the central bank is 4.75%.

At present, the benchmark annual interest rate of loans announced by the central bank is 0-6 months (including 6 months), and the annual interest rate is 4.35%. 6 months-1 year (inclusive), and the annual interest rate is 4.35%. 1-3 years (inclusive), with an annual interest rate of 4.75%. 3-5 years (including 5 years), with an annual interest rate of 4.75%. For more than 5 years, the annual interest rate is 4.90%.

The annual interest rate refers to the one-year deposit rate. The so-called interest rate is the abbreviation of "interest rate", which refers to the ratio of interest amount to deposit principal or loan principal within a certain period of time.

The interest rate of a loan of 200,000 yuan is 4.75. How much is the interest for one year?

The interest rate of the loan of 200,000 yuan is 4.75, and the interest for one year is 10400 yuan. According to relevant information, the benchmark loan interest rate is 4.75%, with a floating range of 10%-24%, the borrower's loan interest rate is 5.2%-5.89%, the borrower has borrowed 200,000 yuan, and the one-year loan interest is 10400 yuan.

What does the bank loan interest rate of 4.75% mean? What is the interest rate?

4.75% refers to the benchmark loan interest rate. The annual interest rate of loans within 1 year is 4.35%; /kloc-the annual interest rate of loans between 0 and 5 years is 4.75%; The annual interest rate of loans with a loan term of more than 5 years is 4.9%, which refers to the restriction of housing mortgage loans. The interest rate is so low because of state subsidies, not credit loans.

What is the loan interest rate in 2023?

In 2023, the benchmark interest rate for one-year (including one-year) loans announced by the People's Bank of China was 4.35%, and the benchmark interest rate for one to five-year (including five-year) loans was 4.75%. At present, the benchmark interest rate of commercial loans is 4.90%, and the loan period exceeds 5 years. Affected by the policy of restricting purchases and loans, local banks have different adjustments to the interest rate of the first home loan. The average interest rate of the first suite in China is 5.38%, and the interest rate generally rises by 5%-20%. The interest rate of second-home loans generally rose 10%-30%.

The benchmark interest rate of provident fund loans for less than five years (inclusive) is 2.75%, the benchmark interest rate of provident fund loans for more than five years is 3.25%, and the interest rate of second-home loans has generally increased by 10%. The benchmark interest rate of new loans announced by the People's Bank of China is subject to the latest interest rate announced by the People's Bank of China.

I. Entrusted loan:

Entrusted loans refer to loans issued, supervised and recovered by government departments, enterprises, institutions and individuals according to the loan object, purpose, amount and term determined by customers. The lender (trustee) only charges the handling fee and does not bear the loan risk.

2. Credit loan:

Credit loans refer to loans issued in the name of borrowers. Its characteristic is that the debtor does not need to provide collateral or third-party guarantee, but only needs to obtain a loan on his own credit, and the borrower's credit degree is used as the repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China.