What are the short-term and long-term interest rates of major banks, and the time and method of lending? If the loan is in the name of the company, it is more than100W.

1. What are the short-term and long-term interest rates of major banks, and when and how to lend money? If the loan is in the name of the company,100W or more.

Loans in banks are usually divided into loan terms, including long-term loans, medium-term and short-term loans, agricultural loans, industrial and commercial loans, real estate development loans, personal mortgage loans and so on. Different loan terms, different loan types, different banking institutions and different loan interest rates.

Now take a one-year loan of 6,543,800 yuan as an example. The benchmark loan interest rate set by the central bank is 4.35%.

If it is a state-owned commercial bank, the maximum floating rate may be 20%, and the annual interest rate of the loan after floating is 5.22%, then the annual interest rate of the loan of 654.38+0 million yuan is (654.38+0 million yuan multiplied by 5.22% multiplied by 654.38+0 years) 52,200 yuan;

If it is a rural commercial bank, the maximum floating rate may be 50%, and the annual interest rate of the loan after floating is 6.525%, then the loan interest rate of 654.38+0 million yuan is (654.38+0 million yuan multiplied by 6.525% multiplied by 654.38+0 years) 65250 yuan.

However, if the monthly interest rate is 90,000 yuan, which is nearly 1 times higher than the annual interest expense of bank loans, it is obviously illegal for the people and is not protected by law. Loan1000000 yuan, even if the annual interest rate reaches 24%, the monthly interest rate is only 20000 yuan. If the monthly interest rate is 90000 yuan, the annualized loan interest rate will reach 108%, which is probably the highest in the financial field at present. If this happens, the subject can report directly to the local judicial department to safeguard his legitimate rights and interests without repayment.

Second, the enterprise loan is 6,543,800 yuan, what is the interest, if it is paid off in one year.

The annual interest rate of the loan is as follows:

One. short-term loan

Six months (inclusive) 4.86%

Six months to one year (inclusive) 5.3 1%

Second, medium and long-term loans

One to three years (inclusive) 5.40%

Three to five years (inclusive) 5.76%

More than five years, 5.94%

Interest = principal × interest rate × term

Interest =1000000× 5.31%= 53100 yuan.

Three. 202 1 new policy of business license loan?

For 202 1 customers who need loans, we divide them into the following scenarios:

1, existing enterprises and real estate are used as collateral to supplement the cash flow of enterprises;

2. The interest on the mortgaged house is relatively high, and I want to replace the customer base;

I want to improve my living environment, but I don't have enough money to give my clients.

In any of the above scenarios, choosing the right banking products may save 30% of the bank interest rate. The latest bank loan interest rate is 202 1, please refer to:

2021March 30th, Bank of Beijing preferential policies

After reading this, many fans still don't understand. How can you simply choose a specific product?

Then we'll tell you 202 1 the simplest product:

1, the enterprise needs 6 months (both registration and acquisition are required)

2. Real estate (newly bought second-hand house has been transferred for 3 months)

3. Credit information: The credit information of husband and wife borrowers and enterprises is good, and there is no lawsuit or punishment.

4. Income: Personal income Enterprise income can cover twice the loan amount.

Loan strategy: why was it rejected? A little secret hidden in the running water of the bank

5. Liabilities: personal credit loans and credit card real estate loans cannot exceed 70% of total assets. To put it bluntly, your assets are 6,543,800,000 yuan, and your total credit liabilities are no more than 7,000,000 yuan.

After meeting the above conditions, we will choose banking products for you:

① Operating loan: the annual interest rate is 3.5%~3.85%, and the amount is100000. When the enterprise is established 1 year or more, the running water can cover 2 times (new transfer can be handled).

② Operating loan: annual interest rate: 4.5%, with a maximum of 65,438+00 years, with interest first and capital later, and running water covering the monthly payment.

③ Operating loan: annual interest rate: 3.85%-5.25%, with a quota of 30 million yuan. It can be used for business offices, shops, luxury houses and real estate under the company's name, with equal principal and interest for 20 years and a room age of 40 years.

(4) Operating loan: the annual interest rate is 5.5%~7%, and the maximum for real operation is 8.5%, and the approval is extremely fast. The property with the longest operating life is 15 years.

⑤ Operating loan: the interest of one loan for two years is 4. 15%. If the real estate enterprise lasts for more than 3 months, the loan amount is 100000, and the longest loan is10 year, which can be repaid in 30 months.

⑥ Enterprise credit: The annual interest rate is 4.25%-6.5%, the amount is1-50,000, and all kinds of enterprises with tax grade B/ Zhongguancun/Hi-tech can give priority to interest payment.

⑦ Quick loan: 0.625% monthly interest, new? Shareholders' residence in the Fifth Ring Road, with a quota of 6,543,800,000 yuan, with interest paid first and principal repaid later, with a maximum of 3 years.

We have selected 7 efficient products from 30 banking products for you.

There are differences in processing time, interest rate and customer base, which can meet most customers who need financing loans. Some fans asked: How to quickly choose the best banking product for you?

This requires the following conditions:

1, investigation of its own conditions (including real estate, credit, tap water and company)

2 understanding of bank products (including interest rate, percentage, repayment method, loan term, stability, etc.). )

3. By combing your own conditions and needs, with the help of professional consultants, you can meet the application conditions of the bank.

Instead of saying, 3.5% annual interest rate is ok?

The question should be: check your own conditions correctly and then see what kind of bank loan you can apply for? Don't delay the best financing opportunity because of your lack of conditions.

We believe that as long as your credit information is not particularly bad, all the above banking products can be satisfied. 202 1 with the passage of time, the bank's loan policy for small and micro enterprises will continue to tighten and the threshold will continue to increase. If you want to save financing costs, from the latest policy:

The operating loan of 202 1 will continue to receive all-round support from the policy, which is a very good opportunity to cut in. Whether it is replacing loan products or financing small and micro enterprises, we need to actively plan and prepare, so that the saved money can be used for business operations, enhance corporate profits and achieve high-quality growth and development.

For customers who buy new properties, I suggest that you not only need a professional property consultant, but also find a professional financial consultant before buying a house, first understand the latest bank loan policy, and then do what you can according to your own conditions? ..

4. Borrowing money from banks in the name of the company, above 100W, and the interest rates of major banks are short-term. ...

Now take a one-year loan of 6,543,800 yuan as an example. The benchmark loan interest rate set by the central bank is 4.35%.

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