Interest rate of renovation loan of CCB: 5.25% for loans within 6 months (inclusive) and 6% for loans from 6 months to 1 year (inclusive); Loans for one to three years (including three years) 4.75% loans for three to five years (including five years) 6.00% loans for more than five years 4. 15%. ChinaConstructionBank, formerly known as People's Construction Bank of China, was established in June 1 954+1October1(later renamed China Construction Bank on March 26th, 1996). Headquartered at No.25 Financial Street, China Construction Bank is a large state-owned bank managed by the central government and a national vice-ministerial unit. Its main business areas include corporate banking, personal banking and treasury business, with branches and subsidiaries in 29 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance, property insurance, investment banking, futures and pension. Concept 1. The business philosophy is market-oriented and customer-centered. 2. The service concept is customer first and attention to detail. 3. The concept of risk is the key to understanding customers and fully participating in the market. 4. The concept of talent is to pay attention to comprehensive quality and highlight actual performance. The internal and external charts of China Construction Bank, which are based on ancient copper coins, have distinct bank attributes and embody the "Fiona Fang" characteristics of CCB. Party representatives are strict, standardized and serious; The circle symbolizes perfection, affinity and tolerance. The change in the upper right corner of the graph forms an overlapping three-dimensional effect, representing the English abbreviations of "China" and "Architecture", that is, the overlap of two C letters, implying accumulation, symbolizing the development and growth of China Construction Bank in the process of capital accumulation, and providing services for China's economic construction. The graphics break through the closed circle, symbolizing the integration of ancient culture and modern management concepts, and implying that China Construction Bank is rooted in China and facing the world in the brand-new modern economic construction. The standard color is sea blue, which symbolizes rationality, tolerance, peace and stability, embodies the demeanor of state-owned commercial banks, and implies that China Construction Bank attracts talents and funds from all sides like the sea.
2. How much is the interest of China Construction Bank's renovation loan this year?
The following is the latest interest rate table adjusted by the central bank on August 26th.
4.6 in one year
One to five years 5
More than five years 5. 15
Savings within five years 2.75
More than five years 3.25
3. How much is the interest on the renovation loan of China Construction Bank?
According to the applicant's personal funds, the renovation loan interest rate is not fixed, but based on the loan situation. Different people apply for renovation loans in the same branch, and the loan interest rate may be different. The renovation loan interest rate of CCB fluctuates on the benchmark interest rate. The benchmark interest rate is 4.35% below 1 year (inclusive), 175%, and the interest rate for more than 5 years is 4.9%. Among many decoration companies, Jutong decoration is real and has become an iterative upgrade of Jutong's growth. It has always maintained the status of a leading enterprise in Shanghai and established a good brand image in the high-end home improvement consumer market in Shanghai. It is worth consulting Jutong Decoration Customer Service. More details
4. What is the real interest rate of the renovation loan of CCB?
5.63%
The renovation loan of CCB is equivalent to a credit card installment loan. The interest rate of 0.25% is the monthly interest rate, the annual interest rate is 3%, and the daily interest rate is 0.0083%. For example, a loan of RMB 654.38+10,000 with a term of 1 year will pay 25 yuan's handling fee every month. 1 year, pay 300 yuan handling fee with daily interest of 0.83 yuan.
It seems that this calculation is correct, but this is only the nominal interest rate, and there is still a gap with the actual interest rate. Because the loan is repaid every month, no matter how much money is repaid, the interest is always calculated according to the total loan amount. It will not be said that the debt has decreased and the interest has decreased. Even if it's still in the last issue, it's still that much money every month.
Calculated by IRR, the real annual interest rate of 0.25% decoration loan is 5.63%, which is still higher than the nominal annual interest rate of 3%. However, the interest rate of this loan is relatively low. Although the actual repayment will be more, it is still acceptable compared with the loan interest rate on the market.
After the decoration loan interest rate is 0.25, the bank will put the money into the credit card, and the lender needs to brush it out on the credit card machine of the designated decoration company. You don't have to use money from different places to swipe your card, nor do you support withdrawal and transfer, so you should consider it clearly when handling it.