At present, generally speaking, applying for a loan needs to have fixed assets or real estate as collateral, even if the application needs to meet the conditions stipulated by the bank. What is that? What is the interest rate for personal unsecured loans?
What is this?
Credit loans, also known as credit loans, are divided into personal loans and corporate loans. An individual refers to an individual customer who does not need to provide any collateral or guarantor. According to its credit, credit standing, income and other aspects, banks give corresponding loan lines, which can be used for decoration, car purchase, tourism, education and other consumer purposes.
An enterprise refers to a small and medium-sized enterprise that uses it for other purposes without providing any collateral and guarantor, and the bank gives corresponding loans according to the operating conditions of the enterprise.
What is the personal interest rate?
The term of unsecured personal small short-term credit loans is below 65,438+0 years (inclusive), and the interest rate of unsecured personal small short-term credit loans is subject to the short-term loan interest rate stipulated by the People's Bank of China, and the floating range is subject to the relevant regulations of the People's Bank of China. In case of interest rate adjustment during the loan period, the contract interest rate will be implemented, and interest will not be calculated by stages. If the loan term is less than 6 months, the interest shall be calculated at the interest rate of 6 months.
Among them, the starting point of unsecured personal small short-term credit loans is 2000 yuan, and the loan amount does not exceed 6 times of the borrower's monthly salary, and the maximum is 20,000 yuan.
In addition, unsecured personal small short-term credit loans are generally not granted. If the loan cannot be repaid on schedule due to force majeure or accidents, it may be extended once with the consent of the lender, and the cumulative loan period shall not exceed 65,438+0 years. The interest before the extension shall be paid according to the interest rate agreed in the original contract. After the extension, if the accumulated loan term is less than 6 months, the interest will be calculated according to the 6-month loan interest rate listed on the same day from the date of extension; If it is more than 6 months, the interest will be calculated according to the 1 year loan interest rate listed on that day from the date of extension.
What is this? What is the personal interest rate? For what is personal interest rate and what is personal interest rate, the above contents have been briefly introduced, hoping to help everyone.
How much is the interest?
Compared with mortgage business, it is more attractive. Refers to the operating loans provided by banks for individual industrial and commercial households and small enterprises that cannot provide pledge. At present, many banks provide business, and different banks have different interest rates. At present, the interest rate is generally 0.8-2.88% per month, depending on the borrower's qualification and the loan institution chosen. Take the second-hand housing loan calculator as an example. If the borrower has good qualifications, choose a bank to handle it, and the interest rate is generally around 1 1% per year. If you choose a small loan company, the loan interest rate is between 2.2-3.5% per month. Article 5 The People's Bank of China shall set and adjust the following interest rates: (1) The deposit and loan interest rates and rediscount interest rates of the People's Bank of China to financial institutions; (2) The deposit and loan interest rates of financial institutions; (3) Preferential loan interest rate; (4) Default interest rate; (5) Interest rate of interbank deposits; (6) the fluctuation range of interest rates; (7) others. Article 6 Financial institutions shall determine the following interest rates in accordance with the relevant provisions of the People's Bank of China: (1) Floating interest rates; (2) interest rate of internal funds; (3) Interbank lending rate; (4) discount rate and discount rate; (5) Other interest rates allowed by the People's Bank of China. Provisions of the Supreme People's Government on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 26 If the interest rate agreed by both borrowers and lenders does not exceed 24% per annum, and the lender requests the borrower to pay interest at the agreed interest rate, the people shall support it. The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. If the borrower requests the lender to return the interest paid in excess of 36% per annum, the people shall support it.
What's the interest rate of the bank? How much is the interest?
At present, the interest rate is generally 0.8-2.88% per month, depending on the borrower's qualification and the loan institution chosen. Take the second-hand housing loan calculator as an example. If the borrower has good qualifications, choose a bank to handle it, and the interest rate is generally around 1 1% per year. If you choose a small loan company, the loan interest rate is between 2.2-3.5% per month. Different banks have different interest rates, and the specific loan calculation formula can calculate the interest rate: the average monthly interest rate of funds and the number of repayment months. The interest of equal principal and interest can be calculated by subtracting the monthly principal from the monthly payment.
Bank unsecured personal loans, also known as unsecured loans, or credit loans. You don't need any collateral. You only need proof of identity, proof of income, proof of address and other materials (see the bank for specific proof materials) to apply for a loan from the bank. Banks issue loans according to personal credit, and the interest rate is generally slightly higher than that of secured loans. Customers can choose the loan term according to their individual circumstances, and then sign a contract with the bank, which is guaranteed.
Loan application conditions
Individuals, also known as personal unsecured loans or credit loans. Generally speaking, it is safer to choose a formal individual, and unsecured personal loans are very demanding. In fact, there are many conditions for applying for a bank individual.
Individuals do not need any collateral, and it is more secure to handle bank individuals.
Formal personal business is mainly handled by banks, loan companies and electronic financial institutions. Domestic banks with products include Citibank, Standard Chartered Bank, Ping An Bank and Bank of Ningbo.
Personal loan companies include CreditEase, Urgent Loan, Zhongan Credit, and a large number of loan companies in the name of guarantee and consultation. Electronic financial institutions mainly refer to p2p-based websites, that is, the Renren loan model.
Related business
1) Ping An Bank's new loans unsecured personal loans
Xinyi Loan is an unsecured personal loan business launched by Ping An Bank, a subsidiary of China Ping An Group. For working-class and private owners, it can be used for business or personal consumption (including car purchase, decoration, tourism, further education, wedding, medical care and other large consumption), with a maximum loan of 500,000 yuan. Shenzhen Development Bank, a subsidiary of Ping An Group, also launched a "new loan".
2) Ping An Easy Loan Insurance
Ping An Easy Loan Insurance, also known as Ping An Easy Loan, is a kind of "credit guarantee insurance" launched by Ping An Property Insurance under China Ping An Group. The applicant is the loan customer himself, the insured is the loan bank and the insurer is Ping An Property Insurance Company, which underwrites the credit risk of the loan customer.
Remarks: As Easy Loan and Easy Loan Insurance are products of Ping An Group, some consumers often confuse them. In short, the new loan is a product of Ping An Bank, and the interest rate is lower than that of Easy Loan Insurance. Ping An Easy Loan Insurance is a product of Ping An Property Insurance and a kind of credit guarantee insurance.
3) Postal savings loan
Within 65438+ million. Need a guarantor.
4) Bank of Ningbo White Collar Loan "
The credit line of this loan is 50,65438+100,000,1.50,200,000. It is valid for three years, can be recycled, can be borrowed and returned, and bears interest on a daily basis. Personal credit can also apply for unsecured loans. Bank of Ningbo launched the "white-collar customer recruitment plan" for Nanjing civil servants, teachers, doctors and other people, which was officially launched in April. The loan interest rate is linked to the customer's investment, and the lowest benchmark interest rate is lowered 10%. Borrowers can handle the issuance and return of loans through business counters or contracted online banking as needed.
5) Unsecured personal loan of Standard Chartered Bank
Standard Chartered Bank launched unsecured personal loans in five major cities in China, with a maximum loan amount of 200,000 yuan and a minimum loan amount of 8,000 yuan; You can apply for Standard Chartered Bank.
6) Unsecured personal loan from China Bank.
The unsecured personal loan "Cash Loan School" launched by China Bank in conjunction with Zhengda Express Loan in five major cities across the country has a maximum loan amount of 300,000 yuan and a minimum loan amount of 5,000 yuan; The longest loan period is 4 years and the shortest is 6 months. Consumers only need to have a stable job and income, and they can apply to the Bank of China without any guarantee or mortgage. "
What is the interest rate of unsecured personal credit loan of China Bank?
Please log in to China Bank official website (), click Financial Data-Deposit/Loan Interest Rate on the right side of the home page, and select the loan interest rate table according to the currency for inquiry. The interest rates of various loan products will be different. For details, please consult the local branch of Bank of China.
The above contents are for your reference. Please refer to the actual business regulations.
What is the interest rate?
Different banks have different interest rates on unsecured loans. The interest rates of different loan products are different, but they are basically floating on the basis of the central bank's benchmark interest rate, which can be 10%-30% higher than the benchmark loan interest rate stipulated by the central bank. Because there is no collateral and no guarantee, whether it is 10% or 30% will be determined by the bank after strict examination and approval of personal loan qualifications. Article 3 of the Notice of the People's Bank of China on Issues Related to RMB Loan Interest Rate, on the issue of penalty interest. The default interest rate of overdue loans (loans that the borrower fails to repay on the date agreed in the contract) is changed from the current daily interest rate of 2. 1% to 30%-50% higher than the loan interest rate agreed in the loan contract. If the borrower fails to use the loan as agreed in the contract, the penalty interest rate will be changed from the current daily interest rate of five ten thousandths to 50%- 100% of the loan interest rate agreed in the loan contract.