Short-term loan: within one year (including one year)
The medium and long-term loans are lucky: the interest rate of loans for one to five years (inclusive) is 4.75%, and the interest rate of loans for more than five years is 4.9%. Personal housing provident fund loan: the loan interest rate for less than five years (inclusive) is 2.75%, and the loan interest rate for more than five years is 3. The interest rate in the loan contract of rural commercial banks shall prevail.
Second, what is the loan interest of rural commercial banks?
The loan interest rate of rural commercial banks is obtained by floating adjustment on the basis of the benchmark interest rate of the central bank. Short-term loan: the annual interest rate is 4.35% for one year and within one year. Medium-and long-term loans: the annual interest rate for one year to five years (including five years) is 4.75%, and the annual interest rate for more than five years is 4.9%. The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when they issue loans. 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. First, the risk review of loan risk often begins at the loan review stage. What happened in the comprehensive judicial practice can be seen that the risks in the loan review stage mainly appear in the following links. (1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. (2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk. (3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place. Second, the legal content of the pre-loan investigation (1) examines the legal status of the borrower regarding its legal establishment and continued effective existence. If it is an enterprise, it shall examine whether the borrower is established according to law, whether it has the qualification and qualification to engage in relevant business, and check the business license and qualification certificate, and pay attention to whether the relevant certificate has passed the annual inspection or relevant verification. (2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Review whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.
Third, if you borrow 20,000 yuan from a rural commercial bank to start a small business, the annual interest will be much higher. ...
It's house decoration. Look at the value of the house and the stability of income. The general loan is 50% of the house price. If I can help you solve the problem, then I hope you can click "adopt" and lift a finger, which will encourage us to continue answering other QQ users' questions. Guotai Junan _ Great Wisdom www.tborange.com
4. What is the interest on the venture loan?
The interest on venture loans is generally calculated according to the commercial loan interest rate of banks, and generally fluctuates around the national benchmark interest rate. Venture loans are generally supported by policies, and local government finance will take the initiative to bear part of the loan interest.
1. The interest rate is 4.35% within one year;
2. The annual interest rate for one to five years is 4.75%;
3. The interest rate over five years is 4.90%.