Hello, the loan interest rate of China Construction Bank is as follows: According to the latest deposit and loan regulations of the central bank, the personal loan interest rate of CCB is 1, the short-term loan interest rate within one year (including one year) is 5. 10%, the medium-and long-term loan interest rate from one year to five years (including five years) is 5.50%, and the personal housing provident fund loan interest rate for more than five years (including five years) is 5.66. 20 13 with the approval of the State Council, the People's Bank of China fully liberalized the control of loan interest rate of financial institutions from July 20th, 20 13, and all the restrictions involved in the lower limit of loan interest rate, discounted bill interest rate and upper limit of loan interest rate of rural credit cooperatives were cancelled. So banks can adjust the loan interest rate according to personal credit.

202165438+February China Construction Bank loan interest rate

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CCB Loan Interest Rate Table 202 1 Latest Interest Rate (CCB Loan Interest Rate Table 202 1 Latest Interest Rate Calculation)

Property market network _ 202265438+February 9 08:23:59_ House price trend _ Read 335

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Speaking of the interest rate in the latest version of the 202 1 CCB loan interest rate table, some people will definitely ask the calculation method of the 202 1 CCB loan interest rate table, and some people will ask why the 202 1 CCB loan interest rate table is calculated in this way. China Construction Bank 202 1 The latest version of the loan interest rate table calculates the interest rate in detail. The main reason may be that we already have the answer. Let's take a look at the interest rate in the latest version of 202 1 CCB loan interest rate table. I hope the articles compiled by Bian Xiao can help everyone. !

1.URV CCB loan interest rate

The loan interest rate is 4.35%. The personal loan interest rate of China Construction Bank is based on the latest benchmark interest rate published by the People's Bank of China, and is calculated in a certain proportion according to different situations.

At present, the latest benchmark interest rate of China People's Bank is: the short-term loan interest rate of China Construction Bank (within 6 months, including 6 months) is 4.35%; The loan interest rate for half a year to one year (including one year) is 4.35%.

The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%.

2. Zhouzhi CCB mortgage interest rate

CCB's loan interest rate table is formulated with reference to the benchmark interest rate stipulated by the central bank, and the actual loan interest rate may be raised.

Loans are divided into: provident fund loans, short-term loans and medium and long-term loans. The loan interest rate of CCB 202 1 is as follows: 1, and the short-term loan is 4.35% for one year (within one year).

2. Medium and long-term loans: 1-5 years (including 5 years) 4.75%. 3. More than five years: 4.9%. 4 individual housing provident fund loans for less than 5 years (including 5 years) 2.75%, more than 5 years 3.25%.

5. Personal housing provident fund loans: 2.75% for less than five years (including five years) and 3.25% for more than five years.

3. CCB mortgage interest rate

The first suite in loan prime rate is 4.65%, BP is raised to 1.08%, and the administrative loan interest rate is 5.73%.

The interest rate of the second-attribute basic loan is 4.65%, BP is raised to 1.38%, and the interest rate of the administrative loan is 6.03%.

Matters needing attention in housing loan 1. When making a loan, you must first understand the repayment method of the bank and make a choice according to the actual situation.

At present, there are mainly two kinds of equal principal and interest and average capital. The former has a lower interest rate, but the monthly supply is higher, and the economic pressure on buyers is greater. The latter method has a higher interest rate, but the monthly repayment pressure of buyers is less. Secondly, if you choose a provident fund loan, it is best not to withdraw money from your personal account before preparing your application.

When there is no balance in the account, it means that the provident fund has no loan amount and cannot apply for a mortgage. Because you can't apply for early repayment after paying off the mortgage for one year, you can't repay the loan in advance in the first year. Pay.

However, this kind of loan must be paid 13 times to qualify.

Third, before buying a house, we must first increase the down payment. According to the real estate related policies, the down payment for the first suite is not less than 30% of the total house price, and the down payment for the second suite is not less than 30% of the total house price. 40%。

At the same time, you need to consider the loan interest rate, that is, prepare more money. The fourth is to require the unit to issue a good income certificate. This material is needed to go to the bank for loan business. It is best for buyers to earn twice as much as their mortgage, which makes it easier to pass the mortgage review.

At the same time, you also need to keep all payment invoices, such as down payment, loans and other invoices. These invoices are needed to handle property rights.

After the mortgage is paid off, the buyer remembers to go to the bank to apply for cancellation of the mortgage. At that time, the staff will issue relevant certification materials, and then go directly to the counter of the relevant real estate department to handle the house cancellation procedures. Mortgage loan.

Four. The latest announcement of CCB's mortgage interest rate in 2022

1. CCB housing loan interest rate 1, personal housing provident fund loans within 5 years (including 5 years) 2.75% and over 5 years 3.25%2, commercial housing loan interest rates within 5 years (including 5 years) 4.75% and over 5 years 4.90%2. Personal housing loan applicant qualification 1, legal occupation and stable income source, and ability to repay on time. 2. No illegal acts or bad credit records; 3. You can provide effective pledge guarantee recognized by the bank, or you can use legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability; 4. Open a bank personal settlement account and agree to deduct the loan principal and interest from the personal settlement account designated by the bank; 5. Other conditions stipulated by the bank.

The above is the latest version of CCB loan interest rate table 202 1 interest rate and the latest version of CCB loan interest rate table 202 1 interest rate calculation. The above articles are all from the Internet. The latest version of CCB loan interest rate table 202 1 annual interest rate calculation is helpful to everyone.

China Construction Bank loan interest rate

I. Deposit interest rate:

1. Demand deposit: interest rate 0.3%;

2. One-off time deposit: three-month interest rate 1.35%, half-year interest rate 1.55%, one-year interest rate 1.75%, two-year interest rate 2.25%, three-year interest rate 2.75% and five-year interest rate 2.75%;

3. installment withdrawal, installment withdrawal and fixed withdrawal: the annual interest rate is one year 1.35%, three years 1.55% and five years1.55%;

4, fixed work is convenient: enjoy a one-time discount of 60% interest rate at the same level within one year;

5. Agreement deposit:1.00%;

6. Notice deposit: 0.55% for one day, 7 days 1. 1%.

Second, the loan interest rate:

1. Short-term loans: 4.35% within six months (including six months) and 4.35% from six months to one year (including one year);

2. Medium and long-term loans: 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.90% for more than five years;

3. Personal housing provident fund loans: 2.75% for less than five years (including five years) and 3.25% for more than five years.

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China Construction Bank mortgage interest rate

What is the loan interest rate of China Construction Bank in 2022? Now, more and more people borrow money. China Construction Bank is one of the four state-owned banks, and its deposit and loan business is the best among the major banks. So, what is the loan interest rate of China Construction Bank in 2022? In fact, the loan interest rates of different banks are different. Even within CCB, the interest rates of different loan products may be different, but they are basically floating on the basis of the benchmark interest rate of central bank loans. Benchmark interest rate table for short-term bank loans 1. Annual interest rate within one year (including one year): 4.35%. The medium and long-term payment is 1. Annual interest rate from one year to five years (including five years): 4.75%. 2. Annual interest rate for more than five years: 4.90% individual housing provident fund contribution 1. Annual interest rate for five years or less: 2.75%. 2. Annual interest rate for more than five years: 3.25%. Loan conditions of China Construction Bank: 1. China citizens with full capacity for civil conduct are between the ages of 22 and 55. 2. The borrower can issue legal and valid identification (or valid temporary residence permit). 3. The borrower must have good credit, and there is no bad credit record and overdue repayment in the personal credit report. 4. Stable income and the ability to repay the loan principal and interest on time (generally, the lender's annual income is required to be more than 20,000 yuan). 5. There has never been a record of personal loan default or overdue repayment in CCB. Loan process of China Construction Bank: 1. Borrowers need to bring their identity certificates, income certificates, credit certificates and other materials to China Construction Bank to apply for loans. 2. The bank determines whether the information carried by the borrower is complete and meets the requirements, and then accepts the loan. 3 banks should review the loan conditions and decide whether to provide loans according to the independent loan management system of loan separation and grading approval. 4. After the bank is approved, it will sign a loan contract with the borrower. 5. The borrower uses the loan according to the loan contract, and repays the principal and interest on schedule.

What is the credit loan interest rate of China Construction Bank?

The interest rate of China Construction Bank 202 1 credit loan is as follows:

The interest rate of short-term loans for more than six months (inclusive) is 4.35%; The loan interest rate for six months to one year (including 1 year) is 4.35%.

Medium and long-term loans. The loan interest rate for one year to three years (including three years) is 4.75%; The loan interest rate for three to five years (including five years) is 4.75%; The loan interest rate for more than five years is 4.9%.

ChinaConstructionBank, formerly known as China People's Construction Bank, was established in June 1 954+1October1(it was officially renamed as China Construction Bank on March 26th, 1996). The head office is located at No.25, Financial Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial unit.

CCB's 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.

China Construction Bank has a broad customer base, and maintains banking ties with many large enterprise groups and leading enterprises in China's economic and strategic industries, and its marketing network covers major regions of the country. 20 16 On June 30th, the British Banker magazine published the ranking of 1000 big banks in the world, and China Construction Bank ranked second.

20 17 In February, BrandFinance released the list of top 500 global brands on 20 17, and China Construction Bank ranked it as 14. In 20 18, Fortune Global 500 ranked 3 1.

20 18 February, the "Top 500 World Brands of 20 18" compiled by the World Brand Laboratory was announced, and China Construction Bank ranked 203rd. July 20 19 was selected as the Fortune Global 500.

"Belt and Road" China enterprises ranked 40th on the 100 list. 20 19 12, China Construction Bank was selected as the brand of 20 19 China Brand Power Festival 100. 20 19 12 18, People's Daily released the China Brand Development Index 100 list, and China Construction Bank ranked 25th. On June 4, 2020, 65438+ won the evergreen tree award of the 2020 Caijing "Sustainable Development Benefit Award". In March 2020, it was selected as one of the top 500 global brands in 2020 13.

Personal housing loan business refers to loans issued by CCB or natural persons entrusted by CCB to purchase, build and overhaul various types of housing in Chinese mainland cities and towns.

CCB's personal housing loan business mainly includes personal account housing loan and personal housing mortgage loan (including personal first-hand housing loan, personal second-hand housing loan, second-hand housing loan, personal commercial housing loan and personal housing mortgage loan). ), provident fund personal housing loans and personal housing portfolio loans.

20 14 10 10 started on October 9th. CCB supports the reasonable housing loan demand of residents' families. For families who purchase the first home by loan, the minimum down payment ratio of the loan is 30%, and the lower limit of the loan interest rate is 0.7 times of the benchmark loan interest rate. According to the borrower's purchase situation, credit history, repayment ability and other factors.

What are the loan interest rates of CCB in 2020 and 20021?

China Construction Bank loan interest rate:

202 1: 1. Short-term loan: 4.35% for one year (including one year). 2. Medium and long-term loans: 4.75% for one year to five years (including five years). 3. More than five years: 4.9%. 4 individual housing provident fund loans for less than five years (including five years) 2.75%, more than five years 3.25%. 5. Personal housing provident fund loans: 2.75% for less than five years (including five years) and 3.25% for more than five years.

In 2020: the loan term is within 1 year, and the annual interest rate is 4.35%; Medium-and long-term loans: loan term 1-5 years, with annual interest rate of 4.75%; The term is more than 5 years and the annual interest rate is 4.90%. ; Personal housing provident fund loan: the term is within 1-5 years, and the annual interest rate is 2.75%; The term is more than five years and the annual interest rate is 3.25%.