The interest of each specific loan of BOC E loan is calculated according to the loan balance, the number of days of borrowing and the daily interest rate (the annual interest rate shown to you is /360).
For example, the loan balance is 6,543,800 yuan (annual interest rate is 6%), and the monthly interest = 100000 (loan balance) 30 (actual days) 6%/360 (daily interest rate) =500 yuan.
The above contents are for your reference. Please refer to the actual business regulations.
What's the interest rate of bank credit loan in China?
Please log in to China Bank official website (), click Financial Data-Deposit/Loan Interest Rate on the right side of the home page, and select the loan interest rate table according to the currency for inquiry. The interest rates of various loan products will be different. For details, please consult the loan handling bank of China.
The above contents are for your reference. Please refer to the actual business regulations.
Bank of China loan interest rate
List of loan interest rates of Bank of China in 2022
List of benchmark interest rates for bank loans of China in 2022
Project annual interest rate%
benchmark interest rate
I. Short-term loans
Within one year (including one year) 4.35
Second, medium and long-term loans
One to five years (including five years) 4.75
More than five years 4.90
Three. The annual interest rate of individual housing provident fund loans is%.
Less than five years (including five years) 2.75
More than five years 3.25
Note: The interest rates in this interest rate table are for reference only, and the details are subject to the notice of the business outlets.
Requirements for loan conditions of Bank of China
There are different types of bank loans in China, and the application conditions for different types of loans are also different. Taking the personal credit loan of China Bank as an example, the following conditions need to be met:
1. The borrower has a fixed residence in China and a fixed residence in a local town, and is a citizen of China with full capacity for civil conduct;
2. The borrower has a stable job and income, and has the ability to repay the loan principal and interest on schedule;
3. The borrower is law-abiding and has no illegal acts and bad credit records;
4. The borrower opens a personal settlement account in China Bank;
5. Meet other conditions of China Bank.
Reference interest rate of RMB loans of China Bank in 2022
20 15 10 will be implemented on124 October.
Annual interest rate of the project (%)
I. Short-term loans
Within six months (including six months) 4.35
Six months to one year (including one year) 4.35
Second, medium and long-term loans
One year to three years (including three years) 4.75
Three to five years (including five years) 4.75
More than five years 4.90
Three, personal housing provident fund loans
Less than five years (including five years) 2.75
More than five years 3.25
What is the interest rate of BOC loan?
Bank of China
1. The loan interest level needs to be determined according to the lender's comprehensive qualification, loan application business type, repayment method, loan application amount, loan application period and other factors. If these factors change, the loan interest will also change. Here, Xi Caijun takes mortgage as an example to share with you the banks with lower mortgage interest rates.
2. First, state-owned banks. Among them, China Bank has the lowest interest rate, followed by China Construction Bank, Agricultural Bank and Industrial and Commercial Bank. Among other state-owned banks, the mortgage interest rates offered by China Postal Savings Bank, Industrial Bank and China Merchants Bank are generally lower than other banks. The latest data shows that the mortgage interest rate of 202 1 four major state-owned banks is generally around 3.85%. If a bank wants to apply for a credit loan, the lowest loan interest rate of 202 1 should be China Bank, and the current loan interest rate of China Bank is 2.6%. After that, ICBC's renovation loan, with equal principal and interest repayment, can choose to pay by installments for up to 5 years, and the loan interest rate is as low as 3%.
3. The short-term loan interest rate of China Bank is 4.35 for less than 6 months and 4.35 for less than 6 months 1 year. The medium and long-term loan interest rates are: 65438+4.75 for 0 years to 3 years, 4.75 for 3 years to 5 years, and 4.9 for 5 years. The loan interest rate of individual housing provident fund is 2.75 for less than 5 years and 3.25 for more than 5 years.
4. Deep development, the loan interest rate is 5.6% within half a year, and the loan interest rate from half a year to one year is 6. Medium and long-term loan interest rate 1 year or more to 3 years or less 6. 15, 3 years or more to 5 years or less 6.4, 5 years or more 6.55. The loan interest rate of individual housing provident fund, including the loan interest rate of less than 5 years, is the loan interest rate of 4 years and more than 5 years.
Central bank: short-term loans: including 6 months, with a loan interest rate of 4.35; The interest rate from 6 months to 1 year is 4.35;
Medium-and long-term loans: 1-3 years (inclusive) loan interest rate of 4.75; The ratio of 3 to 5 years is 4.75; Five years later, the interest rate is 4.9;
Personal housing provident fund loan: within 5 years, the loan interest rate is 2.75; The five-year interest rate is 3.25;
What is the lowest interest rate for bank credit loans in China?
1, short-term loan interest rate: the annual interest rate of loans within one year is 4.35%.
2. Long-term loan interest rate: the annual interest rate of loans for one to five years is 4.75%, and the annual interest rate of loans for more than five years is 4.90%.
The credit loan interest rate of China Bank is based on the benchmark interest rate of the central bank, which will fluctuate to a certain extent. The loan interest rate of some banks needs to be comprehensively priced in combination with the business type, credit status and guarantee method you apply for, and can only be determined after approval by the handling outlets.