What is the interest rate of personal consumption loan?

What is the personal consumption loan interest rate of China Bank?

Interest rate of personal consumption loan of China Bank:

Loan interest rate pricing method: floating interest rate method;

Floating period of loan interest rate: 12 months (repricing is not involved within the loan term);

The loan interest rate is calculated on a daily basis, and the daily interest rate = annual interest rate /360. During the validity of the contract, the lender has the right to adjust the loan interest rate. Please go to the local bank of China loan handling bank for consultation.

The above contents are for your reference. Please refer to the actual business regulations.

How much is the interest on consumer loans for one and a half years?

What is the annual interest rate of consumer loans?

Consumer loan interest rates are as follows:

1. Short-term loan: the interest rate is 5.6% for six months (including six months) and 6.00% for six months to one year (including one year).

2. Medium and long-term loans: the interest rate for one to three years (including three years) is 6. 15%, the interest rate for three to five years (including five years) is 6.40%, and the interest rate for five to thirty years is 6.55%.

What is the annualized rate of consumer loans?

At present, the annualized interest rate of consumer loans of the People's Bank of China:

0-6 months (including 6 months), with an annual interest rate of 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%;

3-5 years (including 5 years), with an annual interest rate of 4.75%;

5-30 years (including 30 years), with an annual interest rate of 4.90%;

The loan interest rate needs to be comprehensively priced according to the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets.

What is the consumer loan interest rate of China Merchants Bank?

The interest rate of China Merchants Bank's consumer loan is obtained through appropriate floating on the basis of the current benchmark interest rate of commercial loans issued by the central bank. The specific interest rate is subject to the actual interest rate given by the local China Merchants Bank. At present, the benchmark interest rates for commercial loans are as follows:

1. Short-term loans: the annual interest rate of loans within 1 year (inclusive) is 4.35%.

2. Long-term loans:

(1) 1 ~ 5 years (including 5 years) with an annual interest rate of 4.75%;

(2) The annual interest rate of loans with a term of more than 5 years is 4.90%.

Now that the central bank's interest rate has dropped to 4.3%, has your mortgage interest rate dropped?

For a house bought in 2020, the bank interest rate is 4.65%60BPs, and then it is 5.25%. 2 1, I adjusted the interest rate to 5.2%. Now the central bank has adjusted the loan interest rate to 4.3%, thinking that I can pay less every month. I'm looking forward to it, but the loan interest rate hasn't changed at all for months. I read the contract carefully and found that it was one.

My friends, what is the mortgage interest rate in your? What is the base point of the fixed increase? Is it true that most mortgages choose floating interest rates?

What is a consumer loan? How much is the interest on consumer loans?

For ordinary consumer spending, you can generally pay by credit card, but for some large consumer spending, you need to apply for a consumer loan. What does a consumer loan mean? What's the interest rate of bank consumer loans? Let's take a look.

What does a consumer loan mean?

Generally speaking, consumer loan refers to the loan method that banks or other financial institutions provide credit lines to individual consumers by means of credit, mortgage, pledge guarantee or other guarantees. According to different loan objects, consumer loans can be divided into buyer loans and seller loans.

The meaning of buyer's loan lies in the loans granted to consumers who buy consumer goods, such as personal travel loans, personal comprehensive consumption loans and personal short-term credit loans.

The significance of seller's loan lies in the loan granted to enterprises selling consumer goods through installment documents as collateral. For example, individuals, personal housing loans, personal car loans and so on. According to the different guarantees, it can be divided into mortgage loan, guarantee loan and credit loan.

What's the interest rate for consumer loans?

At present, the interest rate of consumer loans that individuals can apply for mainly depends on their application qualifications, guarantee methods and other factors. If you have a good credit record in the bank and can provide sufficient proof of assets, you can generally apply for a consumer loan successfully. Please refer to the following for specific consumer loan interest rates:

0-6 months (including 6 months), with an annual interest rate of 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; 5-30 years (including 30 years), annual interest rate: 4.90%.

Consumer loan interest rate

The calculation formula of consumer loan interest rate is: consumer loan interest rate = interest/(principal term).

The interest rate of general consumer loans fluctuates according to the benchmark interest rate of bank loans, and the specific interest rate will be dynamically adjusted according to the qualifications of applicants.

The latest benchmark interest rate for central bank loans:

(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 year to five years (including five years); The adjusted interest rate for more than five years is 4.90%.

(3) Personal housing provident fund loan: the adjusted interest rate for the following five years (including five years) is 2.75%; The adjusted 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.

3. Supply and demand of loan funds. If the supply exceeds the demand, the loan interest rate will inevitably fall, and vice versa. In addition, the loan interest rate must also consider price changes, securities returns, political factors and so on.

China Construction Bank loan interest rate

Taking CCB's personal consumption loan as an example, the loan interest rate is generally between 0.60% and 0.70%, and the loan interest rate stipulated by the People's Bank of China has slightly changed during the same period.

When applying for a loan, the applicant suggests that the borrower consult with the local bank or lending institution.

The minimum loan amount for quick loan of CCB is 1 1,000 yuan, and the maximum loan amount is 50,000 yuan. The loan term is 1 year, and the interest rate is about 6.6%.

The interest calculation formula of CCB is: interest = loan amount 1 annual interest rate.

If the loan is 50,000, according to the interest rate, it is 500,006.6% = 3,300. If the loan world is less than one year, for example, you only applied for a loan for three months, the interest is 3600/ 123=900.

Taking CCB's personal consumption loan as an example, the loan interest rate is generally between 0.60% and 0.70%, and the loan interest rate stipulated by the People's Bank of China has slightly changed during the same period.

When applying for a loan, the applicant suggests that the borrower consult with the local bank or lending institution.

The minimum loan amount for quick loan of CCB is 1 1,000 yuan, and the maximum loan amount is 50,000 yuan. The loan term is 1 year, and the interest rate is about 6.6%.

The interest calculation formula of CCB is: interest = loan amount 1 annual interest rate.

If the loan is 50,000, according to the interest rate, it is 500,006.6% = 3,300. If the loan world is less than one year, for example, you only applied for a loan for three months, the interest is 3600/ 123=900.