According to the official interest rate table of the six major banks, if a user applies for a one-year mortgage, the bank's loan interest rate is at least 4.35% and at most 4.7%. As for why it is the highest 4.7%, because the benchmark interest rate of the central bank's one-year loan is 3.85%, most banks will rise by up to 24% on this basis. If the user applies for a loan interest rate of 500,000 yuan, the annual interest will be 2 1.750 yuan according to the minimum standard of 4.35%. If calculated according to the highest standard of 4.7%, the annual interest is 23,500 yuan. Of course, the above is only a theoretical calculation method. Each user's personal qualifications are different, and different bank and regional policies will affect the user's final loan interest rate. Mortgage loan repayment methods are also very diverse, including matching principal and interest, average capital, paying interest first, and then paying principal. Different repayment methods will lead to different loan interest rates.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.

Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator. In civil law, interest is the legal fruit of principal.