What is the operating loan interest rate of major banks and how to calculate the operating loan interest rate?

1. What are the operating loan interest rates of major banks? How to calculate the operating loan interest rate?

The expected annualized interest rate of loans directly determines the distribution of economic benefits between individuals and banks. As we all know, handling a loan will produce a certain expected annualized loan, which will be managed.

What is the expected annualized interest rate of operating loans of major banks?

The expected annualized interest rate of one-year loan benchmark is that banks have different expected annualized interest rate policies for personal business loans. General high-quality customers will be 5%- 1 higher than the benchmark expected annualized interest rate, and it is possible to apply a lower standard expected annualized interest rate. However, no matter how preferential it is, the upper limit of national policy is at most 10%. It is basically impossible for credit to control interest rates now. Even the loan customers that banks used to ask for, and now some high-quality corporate customers who used to go down 10%, now come at the benchmark expected annualized interest rate.

China Construction Bank:

Wealth link: the net value of houses is 70%, the net value of shops and offices is 60%, and the net value of factories is 50%. The lender's mortgage guarantee for Fortune Link can be enlarged to 90% of the net loanable value of houses and businesses (guarantee companies or individuals can guarantee) and 80% of the net loanable value of factories. The maximum loan is 20%, and the annual fee is charged according to the loan term, once. The longest loan is 5 years. If the Wealth Pass is more than 500,000 yuan, the borrower needs to sign the supervision payment of transaction funds with the borrower, business unit and handling unit, and the loan funds will be included.

Employment loan: loan. The annualized interest rate is expected to rise by 20%, and a fee will be charged every year.

China Merchants Bank:

Real estate mortgage loan: the maximum amount of a single transaction is 6.5438+million, and the maximum amount of a single household is 30 million; Mortgage rate: 70% for residence, 60% for commerce, 65,438+00% for residence with guarantee company, engaged in nine major commercial industries for more than two years, legal representative, shareholder or actual controller of the enterprise (including local registered enterprises in Zhuhai). Loan term: 10 year; For 3-5 years' loan under the project, the repayment interest rate is 20: independent monthly payment (3-year loan period, 20-year repayment, low interest and low monthly payment), and the principal repayment plan is quarterly, semi-annual and annual, and only one third of the loan principal needs to be repaid during the loan period. Loan issuance: a third-party account, which can be an enterprise or an individual in principle (the payee should be the legal representative or shareholder of the receiving enterprise). Proof of use: the trade contract (note: China Merchants Bank will recover the loan in advance if the funds flow back or illegally into the stock market after the loan) is based on the expected annualized interest rate benchmark.

Industrial Bank:

1. The net loan value of residential houses (including villas and commercial and residential houses actually used for housing) is 70%, and the net loan value of industrial plants is 50%. It is expected that the annualized interest rate will rise by no less than 30%. The mortgage rate with natural person guarantee can reach 100%, the mortgage rate with guaranteed company can reach 120%, the expected annualized interest rate will rise by 50%, and the expected annualized interest rate with guaranteed company providing pure guarantee will rise by 60%.

2. The term of a single credit can reach 10 year, which can be recycled, and the principal can be repaid at the monthly interest of one year or the monthly payment of 10 year.

3. For the collateral that some banks do not accept, if the guarantee company accepts pure mortgage guarantee, it can also lend for 1-3 years, and the expected annualized interest rate will rise by 50%.

4. The mortgagor and the borrower are not over 65 years old.

5. Purpose: It can be used to call personal accounts of third parties (legal persons and shareholders).

6. If the third party mortgages or the borrower is the actual controller, and the business scope is inconsistent with the business license or the scope is limited, it must go through the branch loan review meeting to reduce the loan ratio. There is no requirement for the establishment of an enterprise, and shareholders need to have more than 10% equity. The term of more than three years must be for the purpose of purchasing fixed assets, with the maximum loanable amount of 10 year and the maximum loanable amount of150,000. The principal can be paid monthly or repaid with monthly interest for one year.

Minsheng Bank:

The maximum loan amount is 654,380,000,000 yuan, the term is 65,438+0-5 years, and the loan is repaid with interest-free, and the line can be recycled. Customers are required to have 3-5 years' experience in this industry, the enterprise has been established for 2-3 years, and the net assets of families and enterprises are 500-500 million. The loan is approved quickly, and the loan will be released within 7 working days after the information is complete. Loan ratio: pure mortgage, 50-70%; Mortgaged natural person guarantee,100%; The mortgage guarantee company guarantees, 120- 150%.

Agricultural Bank:

Personal employment loan: A: I, the company or the third party (immediate family member) can borrow 70% of the housing, with the upper limit of100000, and the expected annualized interest rate will double, with a term of five years. Bonus guarantee can be lent 100%. In addition, a quota occupancy fee will be charged, and the specific fee will be decided by both parties through consultation.

B: Personal commercial real estate mortgage: the maximum loanable net value of the store mortgage is 60%, the term is 10 year (balloon loan can be used), and the expected annualized interest rate is doubled, with the upper limit of150,000. The rent should reach 85% of the monthly payment, and the annual rent should reach 5% of the assessed net value. In addition, a quota occupancy fee will be charged, and the specific fee will be decided by both parties through consultation.

Simple loan: the maximum amount of mortgage guarantee is 30 million yuan, and the maximum amount of guaranteed guarantee is100000 yuan. Loan purpose: Real and legal liquidity demand. The term of loan and guarantee business is 65,438+0-3 years, and the term of other business is years, which can be recovered within 65,438+0 years. Expected annualized interest rate: 654.38+30% over 0,000, 654.38+25% over 0,000-2 million, and 20% over 2 million. Mortgage rate: 50% of land, 65-70% of commercial housing, 70% of houses, and 40% of houses under construction or collective land.

Personal employment loan: A: I, the company or the third party (immediate family member) can borrow 70% of the housing, with the upper limit of100000, and the expected annualized interest rate will double, with a term of five years. Bonus guarantee can be lent 100%. In addition, a quota occupancy fee will be charged, and the specific fee will be decided by both parties through consultation.

B: Personal commercial real estate mortgage: the maximum loanable net value of the store mortgage is 60%, the term is 10 year (balloon loan can be used), and the expected annualized interest rate is doubled, with the upper limit of150,000. The rent should reach 85% of the monthly payment, and the annual rent should reach 5% of the assessed net value. In addition, a quota occupancy fee will be charged, and the specific fee will be decided by both parties through consultation.

Simple loan: the maximum amount of mortgage guarantee is 30 million yuan, and the maximum amount of guaranteed guarantee is100000 yuan. Loan purpose: Real and legal liquidity demand. The term of loan and guarantee business is 65,438+0-3 years, and the term of other business is years, which can be recovered within 65,438+0 years. Expected annualized interest rate: 654.38+30% over 0,000, 654.38+25% over 0,000-2 million, and 20% over 2 million. Mortgage rate: 50% of land, 65-70% of commercial housing, 70% of houses, and 40% of houses under construction or collective land.

Bank of Communications:

The annualized interest rate of operating loans is expected to rise by 25-30% at a minimum, and the principal will be repaid with interest on a monthly basis for one year, which will be circulated within two years. You can't add loans in your own name. The total loanable value of loans in the name of enterprises plus guarantee companies is 100%.

ICBC:

It is estimated that the annualized interest rate will rise by at least 25%, and the loan will reach 70% in May. The purpose can reach third-party individuals (legal persons and shareholders).

Bank of China:

The expected annualized interest rate of operating loans needs to rise by 30%, and loans need to be guaranteed by 70%. For three years, 20% of the principal will be repaid in the first year and 40% in the second year.

Postal bank:

Personal commercial mortgage loan: the total value of residential loans is 60%, the total value of commercial loans is 50%, and the expected annualized interest rate will rise 10-20%, with a maximum of 5 million. Business license is required, borrowers are shareholders, legal persons, actual operators and individual industrial and commercial households, the mortgagor and the borrower can be separated, and loans can be made to third parties without checking the mortgagor's credit information, which is more flexible to use. The loan term is 5 years, and it can be recycled, with equal repayment of principal and interest on a monthly basis, or in the first 6 months, or for 5 years, with one-time repayment of principal and interest every six months; Or borrow 1 year, pay interest on schedule in the first 6 months, and equal principal and interest in the last 6 months. Cycle within 5 years.

SME loans: 80% of the net value of residential loans can be enlarged to 50%, and 50% of the total value of commercial and factory loans. Expected annualized interest rate rises 10-20%. The upper limit is 20 million, the credit is granted for 3 years, and the expenditure is 1 year. The loan can be used for the working capital of the enterprise for 6 months (the principal and interest can be repaid in one lump sum after half a year), which can be recycled and valid for 2 years. The purchase of fixed assets can be loaned for 2 years, and the principal and interest are equal to 12 months, which can be recycled for one year. The working capital can be granted credit for 2 years, and the principal is repaid with monthly interest every year, and it can be recycled for 65,438+0 years.

Ping An Bank:

Commercial loan: enterprises are required to be registered for more than 2 years or 5 years of work experience, provide 1 year bank flow (individuals or companies), provide fixed assets mortgage, and have a good credit record. 80% to 65,438+000% of the total loanable value of unsecured houses (only deducting transaction costs), and 60% to 90% of the net loanable value of commercial houses. More than 70% of customers need to have a second residence in addition to collateral, not limited to self-built houses, military houses and off-site real estate. The longest loan period is 65,438+00 years, and it is expected to be loaned to a third-party enterprise account at an annualized interest rate to guarantee entrusted payment.

Guangfa Bank:

Conditions: 65438+60-year-old mainlander (company legal person or shareholder), the company has been established for more than two years or more than one year and three years, and it has not been overdue for more than two periods with its spouse within two years. The collateral is Shenzhen real estate, 70% is basically tax-free, and 60% is commercial. It is expected that the annualized interest rate will rise by 30% with a term of 1-3 years. For loans with an amount greater than 2 million yuan, you can apply to the guarantee company for additional guarantee. The maximum loan is added to 10% of the net mortgage value, and the guarantee fee is 3% of the additional loan amount (per year). It will be collected in one lump sum before the loan is released, and the approval can be completed within 3 working days after the information is complete. 5 million-150,000, the average mortgage interest rate is up to 70% for housing and 60% for business, and the expected annualized interest rate of the loan can rise by 20% on the lowest basis, with a term of 1- 10 year; Corresponding repayment method: 1. Loans with a term of one year or less can be repaid at maturity; 2. Loans with a term of more than one year need to be repaid with equal monthly principal and interest, and the principal can be exempted in the first half of the year. You can apply to the guarantee company for additional guarantee. The maximum loan is100% of the net mortgage value (within 3 years), and the guarantee fee is (3%/ year), which will be collected in one lump sum before lending. The longest period is 5 years, and the project can last 10 years (for example, borrowing money to build a factory building in the name of the company, etc.). ).

How to calculate the expected annualized interest rate of operating loans?

Loan interest calculation formula:

(1) The conversion formula of the expected annualized interest rate of RMB business is (note: common for deposits and loans):

1. Expected annualized interest rate (0/000)= Expected annualized interest rate (%)÷360= Expected annualized interest rate (‰)÷30.

2. Expected monthly annualized interest rate (‰) = expected annualized interest rate (%)÷ 12.

(two) banks can use the product interest method and the transaction interest method to calculate interest.

Concluding remarks

It can be seen that it is not easy to determine the expected annualized interest rate of enterprise operating loans, and it is up to the lending institutions to make comprehensive judgments according to the actual operating conditions of the owners. If the owner wants to know what the expected annualized interest rate is for the business loan on 20 15, it is best to find out clearly from the relevant lending institutions before the loan.

Second, I would like to ask you what is the normal interest rate for industrial loans now?

Our interest rate is 5%

I want to ask what is the annual interest rate of the company loan?

1. The annual interest rate of corporate loans varies from bank to bank. Under normal circumstances, the interest rate of corporate loans rises according to the benchmark interest rate of the central bank, and the floating rate of each bank is different. The details shall be subject to the audit results. 2. 1. Short-term loans: 3. One year includes one year and the interest rate is 4.35%; 4. medium and long-term loans: 5. One to five years inclusive, with an interest rate of 4.75%; 6. The interest rate over five years is 4.90%; 7, 3, provident fund loan interest rate, within five years (including five years) 2.75%; 8, more than five years 3.25%. Please visit:/ask/b6005c1616085865.html for more information about the annual interest rate of corporate loans? Zd view more content

4. Is the annualized interest rate of18 high?

18 annualized interest rate 18%, which is high. At present, the loan execution interest rate of commercial banks is 7.2% for rural commercial banks and 8.9% for industrial loans. The above training loan interest rate is relatively high.