China Construction Bank mortgage interest rate: short-term loans for six months (inclusive) 6. 10 Six months to one year (inclusive) 6.56 Medium-and long-term loans for one to three years (inclusive) 6.65 Three to five years (inclusive) 6.90 More than five years 7.05. The loan is recommended to Mo Long, which is the "Wal-Mart" in the loan service industry. It is committed to providing individuals and small and micro enterprises with safer, more efficient and lower-cost financial services by using advanced Internet technology and innovative financial applications. Application conditions of CCB mortgage loan: 1. 18 to a natural person aged 60 with full civil capacity; 2. Have a stable occupation and income, good credit and repayment ability; 3. Other conditions stipulated by the bank. Personal property mortgage loan application materials: 1. Prove; 2. Household registration book; 3. Marriage certificate; 4. Entry certificate; 5. Real estate certificate and evaluation report of mortgaged property; 6. Proof of using paragraphs; 7. Other information stipulated by the bank. For more information about the loan, it is recommended to consult Moore Long. With its strong R&D capability in financial technology, Moerlong provides loans for the epidemic, and all operations can be completed online. During the epidemic, Moran will make full use of scientific and technological capabilities to minimize risks and improve efficiency to the fastest. In addition, Moerlong promises that the electronic agreement signed by customers online will be encrypted and protected by law; All products come from licensed financial institutions, and the fees are reasonable and transparent; Provide a margin model that meets the requirements of the platform and speed up the loan approval of financial institutions.
China Construction Bank loan interest rate
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.
China Construction Bank Credit Guarantee Loan Interest Rate
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%.
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.
What is the car loan interest rate of China Construction Bank?
First of all, answer directly.
To calculate the loan interest of CCB, we need to know the loan amount, loan interest rate, loan term and the repayment method chosen.
Second, the specific analysis
1, loan amount: This depends on the vehicle price and the down payment ratio.
The minimum down payment ratio of CCB's personal car loan is 20%, and the remaining 80% of the car price can be loaned; For commercial vehicle loans of CCB, the minimum down payment ratio for general commercial vehicles is 30%, and that for commercial vehicle loans is 60%.
2. Loan term: The loan term of CCB's self-use vehicles is different from that of commercial vehicles, with the longest loan term of 5 years for self-use vehicles and only 3 years for commercial vehicles.
3. Loan interest rate: the loan term is different, and the interest rate is different. Among them, the loan within 65,438+0 years is 4.35%, the loan in 65,438+05 years is 4.75%, and the loan over 5 years is 4.9%.
4. Repayment method: The borrower can choose to repay the principal and interest in the same amount or the principal in the same amount.
You can quickly query in Beijian, get a big data report, find out your overdue records, and classify your online loans, formal and informal, with and without credit information. If you want to pay back the money but don't have enough funds, then negotiate with the online lending platform, give priority to formal credit reporting, and minimize the impact on yourself.
3. What is the 3-year interest on general car loans?
Car loan is actually that the borrower provides the bank with information such as bank flow, personal credit information and personal identity information, and then applies for a loan to buy a car.
Each borrower's personal comprehensive qualification is different, the loan interest rate that can be applied for will be different, and the interest to be paid every month will naturally be different.
Of course, each bank's loan policy will be different. Let's take CCB's car loan as an example to calculate the interest that needs to be paid when applying for a three-year car loan.
According to the data of CCB official website, if you apply for a short-term loan in CCB, that is, within one year (including one year), the loan interest rate is 4.35%.
Apply for medium and long-term loans in CCB, and the loan interest rate is 4.75% for 3 to 5 years (including 5 years).
Most people go to CCB to apply for a car loan, and they can only apply for a repayment period of three years at the longest.
In other words, if users go to CCB to apply for a car loan, the loan interest rate is about 4.35%-4.75%.
Assuming that the amount of car loan applied by the borrower is 200,000 yuan, according to the loan interest rate, the interest that the borrower needs to repay every year is between 8,700 and 9,500 yuan.
The interest to be paid every three years is between 26100-28,500 yuan.
Of course, the above is only calculated according to the minimum loan interest rate of CCB.
In fact, not many users can apply for the lowest loan interest rate, and borrowers still need to calculate interest according to the actual loan interest rate.
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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What is the bank loan interest rate of CCB 20 16?
20 16 loan interest rate table of China Construction Bank:
Current account 0.35; Three-month fixed term1.1; Semi-annual term1.3; One-year term1.5; Biennium 2. 1.
The calculation method of interest rate is
I. Basic formula for calculating interest The basic formula for calculating interest on savings deposits is: interest = principal × deposit period × interest rate.
II. Conversion of Interest Rate The conversion relationship among annual interest rate, monthly interest rate and daily interest rate is: annual interest rate = monthly interest rate × 12 (month) = daily interest rate ×360 (days); Monthly interest rate = annual interest rate ÷ 12 (month) = daily interest rate ×30 (days); Daily interest rate = annual interest rate ÷360 (days) = monthly interest rate ÷30 (days). Pay attention to the consistency with the deposit period when using interest rates.
3. Interest starting point 1. The starting point of interest for savings deposits is RMB, and no interest is paid for cents below RMB. 2. The interest amount shall be calculated to one decimal place and rounded to one decimal place when actually paid. 3. Except that the current savings are settled on an annual basis and the interest can be converted into principal, regardless of the deposit period, the interest of other savings deposits will be paid off with the principal at the time of withdrawal, excluding compound interest.
Iv. Calculation of deposit period 1, and the calculation of deposit period adopts the method of counting the first number and the last number. 2, regardless of the big month, small month, flat month, leap month, every month is calculated as 30 days, and the whole year is calculated as 360 days. 3. The maturity date of all kinds of deposits shall be calculated on an annual and monthly basis. If the account opening date is the missing date of the expiration month, the expiration date should be the last day of the expiration month.
Verb (abbreviation of verb) Calculation of interest on foreign currency savings deposit The interest rate of foreign currency savings deposit is based on the interest rate announced by the People's Bank of China, and the original currency bears interest (the second currency can be converted into RMB according to the foreign exchange rate of the day). Its interest-bearing provisions and calculation methods are compared with RMB deposit methods.