What is the real interest rate of postal loans of the Postal Savings Bank?

1. What is the real interest rate of the postal savings loan of the Postal Savings Bank?

The real interest rate of the postal savings loan of the Postal Savings Bank is 5%, and the annual interest rate of the postal savings loan is generally between 4.35% and 7.05%. Suppose the user borrows a postal savings loan of 65,438+00,000, with an annual interest rate of 4.35% and an annual interest rate of 435.

Postal savings loan is a personal credit loan product launched by Postal Savings Bank, which covers various service modes such as postal savings loan-exclusive to salaried customers, postal savings loan-exclusive to outstanding customers, and postal savings loan-high-quality enjoyment.

At present, the maximum applicable amount of postal savings loans is 200,000, and the longest service period can be divided into five years.

2. Which bank has a low interest rate on credit loans?

(China Merchants Bank) The execution interest rate of our commercial loans (mortgage, car loan, consumer loan, etc.). ) are floating up and down the national benchmark interest rate. The specific floating range (floating range or preferential discount) needs to be determined after you contact the loan handling bank for approval (the handling bank needs to comprehensively price according to the loan business type, personal solvency, credit status and other factors).

3. Which bank has a low interest rate on credit loans?

The loan interest rate shall be subject to the provisions of the People's Bank of China. In case of legal interest rate adjustment, no interest will be calculated by installments; If the term exceeds 1 year, the new interest rate will be implemented at the beginning of the following year; The main repayment methods of mortgage are divided into average capital and equal principal and interest, and buyers can choose freely. When the principal is paid every month, the interest is paid first, and the monthly repayment amount remains unchanged (interest rate adjustment changes).

4. Which bank has a lower loan interest rate?

The interest rate of bank loans in China is very low. Banks are legally established financial institutions engaged in monetary and credit business, and are the product of the development of commodity monetary economy to a certain stage. Banks are one of the financial institutions. Banks are divided into central banks, policy banks, commercial banks, franchised institutions, investment banks and the World Bank, with different responsibilities. Central Bank: China People's Bank is the central bank of China. State-owned policy banks: including The Export-Import Bank of China, China Agricultural Development Bank and China Development Bank. State-owned commercial banks: including China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank, China Postal Savings Bank and Bank of Communications. Franchise: refers to the institutions established by commercial banks for specific business areas of the Bank, which are different from traditional branches; Investment banks: including Goldman Sachs, Morgan Stanley, Citigroup, Wells Fargo, UBS Group AG, Societe Generale, etc. World Bank: It is used to help countries overcome poverty. Various institutions play a unique role in alleviating poverty and improving living standards.