Bank loan interest rate for the same period

Bank loan interest rate for the same period generally refers to the benchmark interest rate for loans of the corresponding category announced by the People's Bank of China to financial institutions for the same period. The current benchmark interest rate for loans is as follows: 1. Commercial loans: 1. Loans with a term of less than one year. The following small series brings the bank loan interest rate for the same period. Let's take a look at it together, hoping to bring reference.

what is the bank loan interest rate for the same period?

the bank loan interest rate for the current period is the interest rate implemented in that year. At present, the interest rates announced by the People's Bank of China for the same period are as follows: 1. Commercial loans: 1. The loan term is within one year (including one year) and the interest rate is 4.35%; 2. The loan term is one to five years (including five years) and the interest rate is 4.75%; 3. The loan term is more than five years and the interest rate is 4.9%.

provident fund loan: 1. The loan term is less than five years (including five years) and the interest rate is 2.75%; 2. The loan term is more than five years and the interest rate is 3.25%.

major commercial banks will float the above-mentioned benchmark interest rate, and the specific floating ratio is determined according to the qualifications of borrowers, loan types and other factors.

after knowing the loan interest rate, loan term and loan amount, the borrower can use the formula "interest = loan principal _ loan interest rate _ loan term" to calculate the interest.

how to calculate the bank loan interest rate in the same period

Legal analysis: I. How to calculate the bank loan interest rate in the same period

The bank loan interest rate in the same period is based on the benchmark interest rate announced by the central bank. The loan interest rate for less than one year (including one year) is 4.35%, the loan interest rate for one year to five years (including five years) is 4.75%, and the loan interest rate for more than five years is 4.9%. To calculate interest, use average capital and equal principal and interest.

Legal basis:

Article 31 of the Law of the People's Republic of China on Commercial Banks stipulates that commercial banks should determine the deposit interest rate according to the upper and lower limits of the deposit interest rate set by the People's Bank of China and make an announcement.

Article 38 stipulates that commercial banks shall determine the loan interest rate according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China.

Legal basis: Article 31 of the Law of the People's Republic of China on Commercial Banks

How to calculate Article 38 of the Law of the People's Republic of China on Commercial Banks

What is the interest rate of real estate development projects in banks

The interest rate of real estate development projects in banks is generally 3.25%. Central Bank: The interest rate for six months (including six months) is 4.35%, the interest rate for six months to one year (including one year) is 4.35%, the interest rate for one to three years (including three years) is 4.75%, the interest rate for three to five years (including five years) is 4.9%, and the interest rate for housing provident fund loans is less than five years (including five years) The interest rate for more than five years is 3.25%

ICBC: the interest rate for six months (including six months) is 4.35%, the interest rate for six months to one year (including one year) is 4.35%, the interest rate for one to three years (including three years) is 4.75%, and the interest rate for three to five years (including five years) is 4.75%.

The interest rate of bank loans for real estate development projects is generally 3.25%.

how much is the interest of the enterprise's real estate loan

Legal subjectivity:

How much is the interest of the bank loan depends on the specific bank. The benchmark interest rate of RMB loans is 4.35% for loans within six months (including six months); The annual interest rate of loans from six months to one year (including one year) is 4.35%; The annual interest rate of loans for one to three years (including three years) is 4.75%; The annual interest rate of loans for three to five years (including five years) is 4.75%; The annual interest rate of loans for more than five years is 4.9%. Banks adjust to a certain extent according to the actual situation, and the floating range varies from bank to bank.

Legal objectivity:

Implementation Measures for Special Tax Adjustment (for Trial Implementation) Article 17 If the tax authorities make special tax adjustments to enterprises according to the provisions of the Income Tax Law and its implementation regulations, they shall pay additional interest on the enterprise income tax levied after January 1, 28. (1) The interest-bearing period begins on June 1st of the year following the tax year to which the tax belongs and ends on the date when the tax is paid back (prepaid). (2) The interest rate shall be calculated according to the benchmark interest rate of RMB loans of the People's Bank of China (hereinafter referred to as the "benchmark interest rate") implemented on December 31st of the tax year to which the tax belongs, plus 5 percentage points, and the daily interest rate shall be converted into 365 days a year. (3) If an enterprise provides the materials of the same period and other relevant materials in accordance with the provisions of these Measures, or if an enterprise is exempted from preparing the materials of the same period in accordance with the provisions of Article 15 of these Measures, but provides other relevant materials according to the requirements of the tax authorities, it may only calculate the interest at the benchmark interest rate. An enterprise is exempted from preparing data for the same period in accordance with the provisions of Item (1) of Article 15 of these Measures, but after investigation by the tax authorities, its actual related transaction amount reaches the standard that data for the same period must be prepared, and the tax authorities charge interest on the supplementary tax, and the provisions of Item (2) of this article shall apply. (4) The interest charged according to the provisions of this article shall not be deducted when calculating the taxable income.