The loan interest rate of Huishang Bank generally fluctuates on the basis of the benchmark loan interest rate of the People's Bank of China. The specific floating ratio is related to the applicant's qualification and the specific loan type, and the loan interest rate enjoyed by each applicant is not exactly the same.

China People's Bank loan benchmark interest rate standard is as follows:

1, and the benchmark interest rate for commercial loans with a term not exceeding 1 year is 4.35%;

2./kloc-The benchmark interest rate for commercial loans with a term of 0/to 5 years (including 5 years) is 4.75%;

The benchmark interest rate for commercial loans over 3.5 years is 4.90%;

The benchmark interest rate for provident fund loans with a term of less than 4.5 years is 2.75%;

The benchmark interest rate for provident fund loans with a term of more than 5.5 years is 3.25%.

2. What is the annual interest rate of China Merchants Bank credit card loan 10000?

The annual interest is 394.28 yuan. The benchmark interest rate of China Merchants Bank's credit card loan is 7.2%, and the total interest is 394.28 yuan. Repay the principal and interest every month as required, with the monthly repayment of 866. 19 yuan, the first month's interest of 60 yuan, and the principal repayment of 806. 19 yuan. The following month, the principal is paid 865,438+065,438+0.03 yuan, and the interest is paid 55.5438+06 yuan. The principal increased by about 5 yuan month by month, and the interest decreased by about 5 yuan month by month. If you don't repay in time, you have to pay a penalty interest, which has a great impact on personal credit information.

Third, China Merchants Bank loan interest.

1, commercial loan interest rate: the loan term is within six months (including six months): the annual interest rate is 4.35%; The loan term is from half a year to one year (including one year): 4.35%; The loan term is one to three years (including five years): the annual interest rate is 4.75%; The loan term is between three and five years: the loan interest rate is 4.75%; The loan term is more than five years: the loan interest rate is 4.90%. 2. Interest rate of provident fund loan: the annual interest rate of the loan is 2.75% for less than five years (including five years) and 3.25% for more than five years. Personal credit loans are RMB credit loans issued by banks or other financial institutions to borrowers with good credit standing without providing guarantees. The purpose is to solve the borrower's temporary consumption or business needs. The loan amount is less than 500,000 yuan, and the loan period is generally 1 year, and the longest is not more than 3 years. There are four main points to pay attention to when applying for personal credit loan: 1, and the personal credit record is good. The applicant's credit record in the bank account should be good, and bad behaviors such as overdraft and refusal to pay should be avoided. People with good personal credit records are usually more likely to pass the audit. If the borrower's personal credit has an overdue record, it is likely to be rejected by the bank or lending institution. 2. Lower personal debt ratio. The debt ratio represents your repayment ability. The higher the debt ratio, the weaker your repayment ability. When applying for a personal loan from a bank, the bank is likely to reject your loan application for the sake of financial security. 3. stable work. A stable job means repayment ability. The general standard of a bank is that an applicant must have a stable job and a reliable income to repay the loan. People with stable jobs have an advantage in applying for loans. 4. Reasonable loan use There are certain restrictions on the use of personal credit loans. Generally speaking, credit loans are used for consumption, so applicants need to provide relevant consumption vouchers when submitting credit loan applications to banks. For example, the upgrade loan of Suning Bank can only be used for personal or family decoration, car purchase, travel, study abroad, wedding and other legitimate consumer needs. Credit loans are strictly prohibited from entering the stock market and cannot be used as a down payment for buying a house.

4. How to calculate the monthly interest rate of China Merchants Bank loan?

The interest of bank loan is calculated according to the service time of the loan, and interest = principal interest rate. Time example: the loan is 65,438+0, the term is 65,438+00 years, the interest rate is 6.0435%, the interest is paid once a month, and the principal is repaid at maturity. Then the monthly interest payable = 65,438+6.0435% 65,438+0/65,438+02 = 503.63 (yuan) Example 2: loan 65,438+00 yuan, term 65,438+00 years, interest rate 6.0435%. Use the method of repaying principal and interest, as we said. Then the monthly payment is 1, 1 12.39 yuan, and its calculation process needs some advanced mathematical methods, which is more complicated. The ten thousand yuan contribution table of housing loan is divided into ten thousand yuan contribution table of individual housing loan, ten thousand yuan contribution table of individual housing provident fund loan and ten thousand yuan contribution table of individual commercial housing loan (shop mortgage). Note: If the loan principal and interest cannot be repaid on time, the bank will charge liquidated damages.