ICBC loan interest rates are as follows:
I. Short-term loans for six months (inclusive) 5.35% for six months to one year (inclusive) 5.8 1%
2. Medium-and long-term loans for one to three years (inclusive) are 5.85%, medium-and long-term loans for three to five years (inclusive) are 6.22%, and medium-and long-term loans for more than five years are 6.40%.
Third, discounts.
It is determined by taking the rediscount rate as the lower limit and adding points.
The above is about the interest of ICBC loans. Please consult your local ICBC for the specific implementation of ICBC loan interest rate.
Conditions:
1, China nationality.
2. The age is 20-55 years old.
3. Work or live in Shanghai.
4. You can apply for a stable job with a monthly income of less than 2,000 yuan.
5. No bad repayment record.
Monthly repayment amount = current principal repayment amount and current interest.
Current month's repayment amount = total loan amount ÷ repayment times.
Current month's interest = remaining principal of last month × monthly interest rate = total loan ×( 1- (repayment months-1)÷ repayment times )× monthly interest rate.
Total interest = total loan amount × monthly interest rate × (repayment times 1)÷2
2. What is the minimum amount of ICBC merchant loan?
The minimum amount is 30,000 yuan.
The conditions for applying for a merchant loan are as follows:
1. A natural person with full capacity for civil conduct, aged between 18 and 65;
2. Obtained a credit rating of D or above in China Industrial and Commercial Bank; In other words, ICBC has a monthly flow of more than 200,000.
3. It has legal business qualifications and fixed business premises, and can provide business licenses and other business certificates for individual industrial and commercial households;
Fourth, the total number of bank loans should not exceed two, and the total amount should not exceed 200,000.
Three. China Industrial and Commercial Bank Credit Loan Interest
20 16 China industrial and commercial bank personal credit loan interest rate:
1, short-term loan
Six months (inclusive) 5. 10
Six months to one year (inclusive) 5.56
2. Medium and long-term loans
5.60 for one to three years (inclusive)
Three to five years (inclusive) 5.96
More than five years 6. 14
4. How to calculate the loan interest deducted by ICBC's credit card?
The daily interest rate 15 shall be calculated as 5/10000; if it exceeds 15, it shall be calculated as 10/10000; if it exceeds 30 days, it shall be calculated as 15/10000.
The Notice on Printing and Distributing the Measures for the Administration of Credit Card Business has corresponding provisions:
Article 18 The longest overdraft period of a credit card is 60 days. Credit card overdraft interest shall be charged at 0.5 ‰ of daily interest within 15 days from the date of signing the contract or the date of bank entry, and at 0. 10 ‰ of daily interest after 15 days.
If it exceeds 30 days or the overdraft amount exceeds the prescribed limit, it shall be calculated at the daily interest rate of 15/10000. 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.
Extended data
Matters needing attention in loan are as follows:
1. The information provided to the bank shall be true, the address and contact information provided shall be accurate, and the bank shall be informed of any change in time;
2. The loan purpose should be legal and compliant, and the transaction background should be true;
3. According to your repayment ability and future income expectations, choose the repayment method that suits you;
4. Apply for a loan amount according to your own ability. Usually, the monthly repayment amount does not exceed 50% of the total family income;
5. Read the terms of the contract carefully and understand your rights and obligations;
6. Repay on time to avoid bad credit records;
7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;
8. prepayment must be handled by communicating with the bank one month in advance.
9. When a foreigner applies for a commercial loan, the bank generally requires the borrower to have a stable income in the local area, and to open a household registration certificate at the place where the household registration is located (some banks also require a certificate of employment); Moreover, the housing guarantee company requires foreigners to apply for temporary residence permits in addition to local income.