Brief introduction of benchmark interest rate of five-year venture loan

The benchmark interest rate for five-year loans is 4.75%.

At present, PBOC has announced the benchmark annual interest rate of loans: 0-6 months (including 6 months), with an annual interest rate of 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; More than 5 years, annual interest rate: 4.90%.

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How much is the 5-year interest on a 300,000 loan?

First, the bank loan is 300,000 yuan, and the five-year interest is about 73,500 yuan. At present, the central bank's benchmark interest rate for commercial loans with a loan term of more than five years is 4.90%, but the interest rates in different regions and different banks are different. The bank will give you a loan interest rate when you borrow money. Generally speaking, interest = principal × interest rate× term, calculated according to the benchmark interest rate, that is to say, 30× 4.90 %× 5 = 73,500 yuan.

Second, the relevant contents of bank loans

1. Bank loan refers to an economic behavior that an individual or enterprise lends funds to an individual or enterprise in need of funds at a certain interest rate according to the national policy of the bank and returns them within the agreed time limit. In different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.

2. Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is recognized by the bank and provides effective guarantee. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability.

3. For those who need to start a business, they can flexibly use personal consumption loans to start a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan. If you need to buy commercial housing along the street, you can apply for a commercial housing loan from the bank with the proposed house as collateral. The loan amount generally does not exceed 60% of the appraised value of the proposed commercial house, and the longest loan period does not exceed 65,438+00 years.

4. According to "all laid-off and unemployed persons who are under 60 years of age, healthy, honest and trustworthy, and have certain labor skills, who are engaged in self-employment, self-employment or partnership, and organized for employment, can apply for small-sum secured loans to commercial banks or their branches by virtue of the re-employment concession card issued by the labor and social security department, and entrepreneurs can hire laid-off and unemployed persons. After consultation, they can apply for unemployment loans with a re-employment concession card. Everyone can borrow up to 20,000 yuan, and the interest rate is the lowest among local bank loans. Enterprises can take laid-off workers 10 and enjoy low-interest loans of up to 200,000 yuan.

What is the benchmark interest rate for one to five-year loans announced by the central bank at present?

At present, the benchmark interest rate for one-to five-year loans announced by the central bank is 4.75%.

At present, the benchmark annual interest rate of loans announced by the central bank is 0-6 months (including 6 months), and the annual interest rate is 4.35%. 6 months-1 year (inclusive), with an annual interest rate of 4.35%. 1-3 years (including 3 years), with annual interest rate of 4.75%. 3-5 years (including 5 years), with an annual interest rate of 4.75%. More than 5 years, annual interest rate: 4.90%.

The annual interest rate refers to the deposit interest rate for one year. The so-called interest rate is the abbreviation of "interest rate", which refers to the ratio of interest amount to deposit principal or loan principal in a certain period of time.

What is the benchmark interest rate for a five-year loan?

The asset interest rate of a five-year loan is basically around 4.9, which is basically the level of a personal loan, but the so-called personal loan here does not include loans with long years, which does not exceed 10 years, and this kind of house loan with more than 20 years is not within the scope of this 4.9. And this so-called 4.9 is the starting interest rate of personal loans with a term of more than 5 years.

You will think that there is no money in the loan, but in fact, many people who really have no money will not think about the loan, because they have no repayment ability, so those who really go to the loan have some money, only a little, such as buying a house, 2 million. Now you have to pay 2 million to buy a house. Can you afford it? I can't afford it. then what You can't live without a house. If you want to buy, you have to buy, with a down payment of 30% and a little deed tax. You can spend 600,000 to 700,000 yuan, and the rest can be used as an installment loan, and a part of it can be repaid every month, so that you can realize your dream of buying a house.

But the interest rate of house loans is generally higher. If you use provident fund loans, the provident fund will exceed 2.755 years in five years, which is 3.25. This is also the benchmark interest rate that is common in almost all parts of the country, but not everyone has a provident fund, and it is useless to have thousands of dollars in the provident fund account. Its proportional loan should be 10 to 30 times, and it has a loan ceiling. In many places, the individual is 500,000, like Beishangguang, which may be slightly higher than 600,000, but this cannot solve the fundamental problem, so you still have to choose commercial loans.

Therefore, if you choose a commercial loan, the interest rate of your loan must be made by people to make a real estate loan installment for the house of 1, and the average interest rate for 20 years is about 5.9. If you don't buy a house with an ordinary venture capital loan, if you don't have corresponding policy support, it may be about 5 points, that is, about 5 years. If your loan amount is particularly high, there may be some discounts. Some people may have some preferential treatment in the case of policy accounting, but in other cases it is normal 5~6 points.

On August 25, 2022, the benchmark interest rate for loans of more than five years.

On August 25, 2022, within one year, including one-year short-term loans, the benchmark interest rate of the central bank was 4.35%;

2. For medium-term loans of one year to five years (including five years), the central bank's benchmark interest rate is 4.75%, and for long-term loans of more than five years, the central bank's benchmark interest rate is 4.9%;

3. For short-term and medium-term loans of less than five years (including five years), the benchmark interest rate of the central bank is 2.75%;

4. For long-term loans of more than five years, the benchmark interest rate of the central bank is 3.25%.

The above is the relevant content of the bank loan interest rate in August 2022.

What is the 5-year interest rate for commercial loans?

Legal analysis: If you want to apply for a five-year personal business loan in a bank, the interest rate of the business loan is 4.75%.

Legal basis: Provisions on the Administration of RMB Interest Rate

Twentieth short-term loans (within one year, including one year), according to the legal loan interest rate of the corresponding grade on the date of signing the loan contract. During the loan contract period, in case of interest rate adjustment, interest will not be calculated by installments. Short-term loans are settled quarterly, and the 20th day of the last month of each quarter is the settlement date; If the interest is settled on a monthly basis, the 20th of each month is the interest settlement date. The specific interest settlement method shall be determined by the borrower and the lender through consultation. Interest that cannot be paid on schedule during the loan period shall be compounded quarterly or monthly according to the loan contract interest rate, and after loans overdue, at the default interest rate.

The introduction of benchmark interest rate for 5-year venture loans ends here.