Which loans have low interest rates?

Bank loan is the lowest loan product at present, which can be divided into mortgage loan and credit loan.

Mortgage interest rates range: At present, the benchmark interest rate is 4.35% for short-term loans within 1 year, 4.75% for medium-term loans within 1 -5 years and 4.9% for long-term loans over 5 years. The actual loan interest rate is generally higher than the benchmark interest rate, which fluctuates in different ranges on the basis of the benchmark interest rate.

In addition to mortgage loans, many banks also have credit loans. Of course, the entry threshold for this kind of credit loan is relatively high, but the interest is relatively acceptable.

The interest range of general bank credit loans is between 8%- 18% per annum, depending on the situation of different banks and borrowers.

Second, microfinance companies.

At present, most small loan companies mainly rely on credit loans, and there are many types of loans, and the interest differences of different types of loans are also relatively large.

Pure credit loan: that is, a loan with credit and personal conditions, and the general interest is between 1.35%-3% per month. If the borrower's conditions are good and the interest is relatively low, such as civil servants, institutions and other groups with stable jobs and incomes, the interest is relatively low, and the interest of each small loan company is different.

Policy loan: At present, many companies have policy loans, mainly life insurance policies, and the monthly comprehensive interest is generally between 1.8%-2.5%.

Car loan: mainly for borrowers with cars, the monthly comprehensive cost is generally between 1.8%-3%, depending on the borrower's conditions and the requirements of different small loan companies.

Mortgage: Houses with mortgage loans can continue to be mortgaged, and the general annual interest rate is between 12%- 18%.

Third, online lending.

Online lending is also very popular at present. The advantages of online lending and simple, convenient and fast Y have been recognized by many people, but there are many kinds of online lending, and the interest varies greatly.

Bank loans: Many banks will provide their users with online loans, such as good loans from China Merchants Bank, E loans from Bank of China of China, E loans from China Construction Bank, Puyin point loans from Shanghai Pudong Development Bank and E-second loans from China Guangfa Bank. These bank loans generally have lower interest rates, ranging from 20% to 5% per day, which is more convenient.

Cash loan system: the general amount of cash loan is within 6.5438+0 million yuan, and the interest is relatively high. The interest of most cash lending platforms is basically above the daily interest rate 1‰, which can reach the daily interest rate of 3‰ and the monthly interest rate of 9%, which is very high.

Fourth, usury.

Usury is basically a desperate choice, with a low daily interest rate of about two thousandths and a high daily interest rate of 1%, and it is a rolling interest, which is quite scary.