At present, PBOC has announced the benchmark annual interest rate of loans: 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.

To calculate the monthly information for reference, please open the following link:/cmbwebpubinfo/cal _ loan _ per.aspx? Chnl=dkjsq tries to use the benchmark interest rate of the current loan to try monthly payment. (You can view information such as monthly payment, monthly principal, monthly interest, principal balance, total interest and total repayment).

2. Which interest rate is higher, credit card loan or personal loan?

In fact, both credit cards have an interest-free period, and there is a handling fee for swiping the card. When not in use, I have no interest. After the interest-free period, the unpaid part is calculated at a daily interest rate of 0.5%, while the monthly interest rate of credit loans reaches about 2 points from the application to the next repayment.

3. Which interest is higher, personal loan or mortgage?

Personal credit is higher and personal property mortgage is similar, but it still depends on cooperative banks.