1. What is the one-year loan interest rate?

The loan interest rates of different banks may be different or the same. For specific information, you can consult the bank.

Take the central bank as an example:

Short-term loans: 6 months (inclusive), the loan interest rate is 4.35; six months to one year (inclusive), the loan interest rate is 4.35

Medium and long-term loans: one to three years (inclusive), the loan interest rate is 4.75; three to five years, the loan interest rate is 4.75; more than five years, the loan interest rate is 4.9

Personal housing Provident fund loan: for less than five years, the loan interest rate is 2.75; for more than five years, the loan interest rate is 3.25

The loan interest rates of Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Bank of China, etc. In line with the central bank.

Legal basis:

"People's Republic of China and Civil Code"

Article 673 The borrower fails to use the loan in accordance with the agreed purpose In the case of borrowing, the lender may stop disbursing the loan, withdraw the loan in advance or terminate the contract.

Article 674 The borrower shall pay interest according to the agreed period. There is no agreement or the agreement is not clear about the period for payment of interest, and it cannot be determined according to the provisions of Article 510 of this Law. If the loan period is less than one year, it shall be paid when the loan is returned; if the loan period is more than one year, It should be paid at the end of each year. If the remaining period is less than one year, it should be paid when the loan is returned.

Article 675 The borrower shall repay the loan within the agreed time limit. If there is no agreement on the loan period or the agreement is unclear, and it cannot be determined according to the provisions of Article 510 of this Law, the borrower may return the loan at any time; the lender may urge the borrower to return the loan within a reasonable period of time.

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant national regulations.

Article 677 If the borrower returns the loan in advance, interest shall be calculated based on the actual loan period, unless otherwise agreed by the parties.

Article 678: The borrower may apply to the lender for an extension before the repayment period expires; if the lender agrees, the extension can be made.

Article 679: A loan contract between natural persons is established when the lender provides the loan.

Article 680: Lending at high interest rates is prohibited, and the interest rate for borrowing must not violate relevant state regulations. If the loan contract does not stipulate the payment of interest, it will be deemed that there is no interest. If the loan contract does not clearly stipulate the payment of interest, and the parties cannot reach a supplementary agreement, the interest will be determined based on factors such as local or party transaction methods, transaction habits, market interest rates, etc. Borrowing between natural persons will be deemed to have no interest.

2. Whether working capital loans can be used by enterprises to repay interest on other bank loans, including fixed loans and current loans. If possible, please explain the source and basis, thank you?

There is no need to talk about credit loans, otherwise you can keep borrowing like this forever, borrowing more and more and never having to pay it back. If you have enough collateral, it's still possible. If you can't repay the bank, you'll still be guaranteed to receive the goods. Of course, there are also some internal management requirements such as project verification and loan special management, which must be analyzed and handled based on the situation.

3. What is the current one-year working capital loan interest rate?

The benchmark interest rate is stipulated by the People's Bank of China. Commercial banks and other financial institutions can target different loans based on the benchmark interest rate. Customers have a fluctuation limit. For example, the base interest rate for working capital loans with a term of half a year to one year is 5.56%, and the interest rate increased by 10% is 6.116%. Generally speaking, in addition to the benchmark interest rate for large enterprises or a reduction of 0-10%, banks have to increase the interest rate for general customers, usually between 5% and 50%.

4. What is the current one-year working capital loan interest rate?

The benchmark 6% one-year rate is the same!