Which bank has the lowest interest rate for credit loans

The credit loan interest rates of large banks are similar. The interest rates you apply for vary according to personal conditions. The following banks with low credit loan interest rates are for reference:

1. CCB Quick Loan: CCB Quick Loan is also a personal credit loan product with a relatively low interest rate. It was previously as low as 4.35, but the specific interest rate depends on the borrower’s credit, contribution, and other factors. The system performs differentiated pricing.

2. Bank of China: Bank of China e-Loan Credit Loan, the annual interest rate limit of the loan is implemented at 4.35, and differentiated pricing is carried out with reference to the specific conditions of the lender;

3. Agricultural Bank of China: Wangjie On Daixindai, the lowest annual interest rate for a newly signed one-year loan is between 4.35 and 4.5. The interest rates vary in different regions, and the pricing is also differentiated based on the qualifications of the lender.

4. Postal Savings Loan-Youker Exclusive: Personal credit loan issued by the Postal Savings Bank, starting from 1,000 yuan, up to 200,000 yuan, with an annual interest rate of 4.35-7.05, comprehensive evaluation based on the borrower's qualifications Differential interest rates are adopted, and the details are subject to the interface display at the time of application.

Extended information:

1. The current benchmark interest rate for RMB loans is:

1. Short-term loans: within 6 months, interest rate 4.35, 6 months to 1 year (including one year), the interest rate is 4.35;

2. Medium and long-term loans: one to three years (including three years), the interest rate is 4.75; three to five years (including five years), the interest rate is 4.75; five years The above interest rate is 4.90;

Personal credit consumer loans can be raised by a certain percentage based on the base interest rate.

For credit loans, the rate of increase in interest rates is very large, usually by 20% or more. The interest rates for credit loans from some larger banks and some joint-stock commercial banks are also quite different. The annual interest rate of credit loans of some major banks can be controlled between 5% and 7%, while the interest rate of credit loans of joint-stock commercial banks is likely to be higher than 10%. The former has lower interest rates, but has higher requirements for credit and qualifications. The requirements for the latter will be lower, but still much stricter than those of non-bank lending institutions.

What loans have the lowest interest rates?

There are three main types of loans with the lowest interest rates:

1. Mortgage loans. Because the borrower can provide collateral with a certain value, the risk of loan overdue and capital loss can be greatly reduced, so the interest rate will also be reduced.

2. Provident fund loan. Provident fund loans are essentially welfare loans, and the interest rates are usually much lower than ordinary bank loan interest rates. Of course, the threshold for applying for a provident fund loan is relatively high, and various conditions need to be met.

3. Bank credit loan

The interest rate of bank credit loan floats on the benchmark interest rate stipulated by the state. It may rise or fall. There are many factors that affect it, and the regulations of each bank are also different, related to the purpose of the loan, the nature of the loan, the loan term, the loan policy, the different lending banks, etc. But relatively speaking, the interest rates are generally not very high. The interest rate of bank credit loans floats on the benchmark interest rate prescribed by the state. It may rise or fall. There are many factors that affect it, and the regulations of each bank are also different, related to the purpose of the loan, the nature of the loan, the loan term, the loan policy, the different lending banks, etc. But relatively speaking, the interest rates are generally not very high.

What is the minimum interest rate for bank loans?

1. Commercial loans: The interest rate for loans within 1 year is 4.35; the interest rate for loans between 1 and 5 years is 4.75; the interest rate for loans over 5 years is 4.9. 2. Provident fund loans: the interest rate for loans within 5 years is 2.75; The interest rate for loans over 5 years is 3.25. It is recommended that you check out the WeChat mini program Qinglu. Qinglu has detailed loan content and stability maintenance in Chengdu, making loan comparison more convenient.

The loan with the lowest interest rate

The loan interest calculation formula is as follows:

1. If interest is calculated, then the loan interest calculation formula is: Loan Interest = principal interest rate and loan period.

2. If the calculation is interest rate, then the calculation formula of loan interest rate is: loan interest rate = principal/interest rate borrowing period.

The actual execution interest rate of each bank will fluctuate. Please refer to the actual transaction interest rate for details.

2. Which bank has the lowest interest rate for commercial loans?

Banks with low interest rates on commercial loans include Bank of China, China Construction Bank, Agricultural Bank of China and Industrial and Commercial Bank of China.

The latest data in 2021 shows that the mortgage interest rates of the four major state-owned banks are generally around 3.85. For credit loans, the lowest loan interest rate is Bank of China, and the current loan interest rate is 2.6. After that, there is equal repayment of principal and interest from ICBC. You can choose an installment period of up to five years, and the loan interest rate is as low as 3.

Note: The level of loan interest is also related to many factors such as the lender's personal comprehensive qualifications, the type of loan business applied for, the loan amount, the repayment method and the loan term.

2. How to get the lowest loan interest?

1. Amount ≤3W:

It is generally recommended to use a credit card to cash out, use Alipay's Huabei, borrow bei When you get a loan, the interest rate is generally relatively low and it is convenient to use.

2. Amount ≤10W:

Guaranteed loans are good. You may be able to find a guarantor at the rural credit cooperative in your hometown. Credit companies all require someone to have worked for more than half a year, or have a business license for more than one year, which is difficult for self-employed people who are just starting out.

3. Amount ≤ 50W

How many years do you want to repay 500,000? It can be one year, two years, three years, or five years. If there is collateral, it is recommended to apply for a mortgage loan. The interest rate of the mortgage loan will be lower than that of the credit loan. According to the purpose of the loan, it can be regarded as a consumer loan. The interest rate is more than 30% above the base interest rate. Of course, if you have an acquaintance, it can be less. The repayment method can be equal amounts of principal and interest, monthly interest repayment and annual principal repayment, or monthly interest repayment of principal at maturity. Banks generally prefer equal repayment of principal and interest. In view of the actual situation, it is recommended to apply for a mortgage consumer loan. The interest rate and repayment method can be discussed with the bank.

4. The amount is ≥100W

This is not easy to get a loan.

What is the minimum interest rate for bank loans?

The loan interest rates of various commercial banks are adjusted based on the central bank’s benchmark interest rate. The lowest benchmark interest rate for commercial loans within one year is 4.35. The interest rate for a loan of 100,000 yuan per year is 4,350 yuan. The lowest benchmark interest rate for provident fund loans within 5 years is 2.75. The benchmark interest rate for central bank loans is as follows:

1. Commercial loans: The interest rate for loans within 1 year is 4.35; 1 The loan interest rate for up to 5 years is 4.75; the loan interest rate for more than 5 years is 4.9.

2. Provident fund loan: the interest rate for loans within 5 years is 2.75; the interest rate for loans over 5 years is 3.25.