The lender applies for a loan of 200,000 yuan in the bank, and the annual loan interest is 8,700 yuan (one-time repayment). The lowest one-year loan interest rate of this bank is 4.35%, but the loan interest rates of different banks are different.
Operating loan interest rate of Sanhe CITIC Bank
The operating loan interest rate of CITIC Bank generally fluctuates on the basis of the benchmark loan interest rate of the People's Bank of China, and is adjusted according to the applicant's credit standing and operating flow.
China People's Bank loan benchmark interest rate standard is as follows:
1. The loan interest rate within one year is 4.35%;
2. The loan interest rate for one to five years is 4.75%;
3. The interest rate for loans over five years is 4.90%.
How to calculate the credit card interest of CITIC Bank?
Pay five ten thousandths of the daily interest.
According to the Notice on Issuing the Measures for the Administration of Credit Card Business:
Article 19 Credit card overdraft interest shall be charged at the rate of five ten thousandths of daily interest within 15 days from the date of signing the contract or the date of bank entry, and at the rate of five ten thousandths of daily interest after 15 days, and at the rate of fifteen thousandths of daily interest after 30 days or when the overdraft amount exceeds the prescribed limit. The overdraft interest is not divided into sections, and the interest is calculated according to the highest interest rate grade or the highest overdraft amount.
Thirteenth credit card deposit interest, according to the deposit interest rate and interest calculation method stipulated by the People's Bank of China.
If the time deposit is pledged, the time deposit shall be calculated according to the time deposit interest rate and interest calculation method stipulated by the People's Bank of China.
Extended data:
According to the Notice on Issuing the Measures for the Administration of Credit Card Business:
Article 24 Commercial banks shall charge credit card transaction fees to special units according to the following standards:
(a) RMB credit card, not less than 2% of the transaction amount;
(2) Credit cards issued by overseas institutions and used in China shall not be less than 4% of the transaction amount.
Domestic banks sign credit card agency acquiring agreements with overseas institutions, and the profit distribution ratio is implemented according to the fact that domestic banks and overseas institutions account for 37.5% and 62.5% of the handling fees paid by special units respectively.
Article 55 In any of the following circumstances, the People's Bank of China shall order it to make corrections, confiscate its illegal income and impose a fine of 50,000 yuan to 654.38 million yuan; If the circumstances are serious or overdue, it may be ordered to suspend business for rectification.
(a) do not implement the technical standards stipulated in these measures;
(2) lowering the handling fee standard without authorization;
(3) Failing to implement the overdraft interest rate and interest-bearing measures stipulated in these Measures.
Fifty-sixth card-issuing banks in violation of the provisions of these measures, did not submit credit card articles of association, filing materials and business statements to the People's Bank of China, the People's Bank of China shall order it to make corrections; If no correction is made within the time limit, a fine of 6,543,800 yuan or more and 6,543,800 yuan or less shall be imposed.
Fifty-seventh card-issuing banks in any of the following circumstances, in accordance with the "People's Republic of China (PRC) City Commercial Bank Law" and the relevant provisions of cash management to be punished accordingly:
(1) Failing to implement the prescribed deposit interest rate;
(2) Failing to pay the deposit reserve to the People's Bank of China as required;
(3) helping cardholders to withdraw cash in violation of regulations.
Article 58 If the issuing bank fails to send the payment stop bill to the special unit within the specified time, causing financial losses, the issuing bank shall bear the economic responsibility.