What's the interest rate for operating loans?

What's the interest rate for operating loans?

Small and medium-sized enterprises will inevitably encounter problems, so most people will choose to apply for commercial loans from banks for business operations. When you apply for a loan, you must be most concerned about the interest rate. If the interest rate is too high, people are reluctant to choose this bank. So what are the operating loan interest rates of major banks? The following contents are inquired by Fatu Bian Xiao for you.

At present, the benchmark interest rate for one-year loans is 7.47%, and banks have different interest rate policies for personal business loans. Generally, it will be 5%- 10% higher than the benchmark interest rate. But it is also divided into customers. For high-quality customers of banks, a lower standard interest rate can be applied. However, no matter how preferential it is, the upper limit of national policy is at most 10%.

I. 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%. Caitong's loan methods include guarantee, mortgage and mortgage guarantee, which can be enlarged to 65,438+000 _, 90% of commercial loans (guarantee companies or individuals can guarantee) and 80% of factory buildings. The maximum loan is100000 yuan, and the interest rate rises by 20_. In addition, the annual fee 1.5_ is charged according to the loan term, and it is charged at one time. The longest loan is 5 years. When Fortune Connect is over 500,000 yuan, the borrower requires that the loan funds be transferred to the account of the borrower's business unit, and the borrower, business unit and handling unit shall sign the Supplementary Agreement on Supervision of Transaction Funds to ensure entrusted payment and transfer the loan funds to the counterparty account.

Auxiliary loan: the net loan value is 70%, which cannot be added. If the interest rate rises by 20_, an annual fee of 1.5_ will be charged at one time.

How much is the personal business loan of rural commercial banks for three years each year?

At this stage, the benchmark interest rate of loans announced by the People's Bank of China is as follows: annual interest rate (%) within six months (including six months) loans: 5.60 loans from six months to one year (including 1 year) loans: 6.00 loans from one to three years (including three years) loans: 6./kloc-0 loans from three to five years (including five years). Financial institutions independently set loan interest rates according to the benchmark loan interest rate stipulated by the People's Bank of China and their own business objectives. The benchmark loan interest rate is the reference standard designated by China people for commercial banks. Generally speaking, commercial banks will float 10% on the basis of the benchmark loan interest rate. For example, the one-year loan interest rate rises 10%, which is 6.6% (annual interest rate), and the standard of floating is different for each bank.

Can you tell me the interest rate of personal business loan from China Bank?

Interest rate of personal operating loan of China Bank:

Taking the quoted interest rate of the National Interbank Funding Center loan market (hereinafter referred to as LPR) as the reference interest rate, adding or subtracting points on the basis of the reference interest rate to form the applicable interest rate value of this loan. If the loan term is less than or equal to 5 years, the quoted interest rate of 1 year loan market published by the National Interbank Funding Center on the same day shall be taken; If the loan term is more than 5 years, the quoted interest rate of the loan market for more than 5 years announced by the National Interbank Funding Center on that day shall be taken.

The above contents are for your reference. Please refer to the actual business regulations.

Operating loan interest rate

Legal analysis: the operating loan interest rate fluctuates according to the benchmark interest rate of the central bank, and the floating ratio is based on the applicant's qualification and credit. The benchmark interest rate for central bank loans is:

1. Within one year (including one year), the interest rate is 4.35%.

2. The loan term is one to five years (including five years) and the interest rate is 4.75%.

3. If the loan term exceeds five years, the interest rate is 4.90%.

Legal basis: Provisions of the Supreme People on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 26 If the interest rate agreed by both lenders and borrowers does not exceed 24% per annum, 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.

I. Types of commercial loans

1, temporary loan. Temporary loan refers to a working capital loan with a term of 3 months (including 3 months), which is mainly used for the temporary needs of enterprises to purchase goods at one time and to make up for other seasonal payment funds.

2. Short-term loans. Short-term loans refer to working capital loans with a term of 3 months to 1 year (excluding 3 months, including 1 year), which are mainly used for the capital needs of normal production and operation of enterprises;

3. Medium-term loans. Medium-term loans refer to working capital loans with a term of 1 to 3 years (excluding 1 year, including 3 years), which are mainly used for the regular turnover occupation in the normal production and operation of enterprises and to lay the foundation for working capital loans.

Second, the types of personal business loans

1. Personal commercial housing loan: RMB loans granted by banks to borrowers for purchasing various commercial and business houses. Mortgage loans for commercial and residential dual-use houses are managed with reference to commercial housing loans.

The annual interest rate of personal loan car mortgage of Guilin Bank.

Guilin bank personal business loan car mortgage annual interest rate?

Guilin Bank loan interest is as follows:

I. Short-term loans

Six months (inclusive) 4.350

Six months to one year (inclusive) 4.350

Second, medium and long-term loans

One to three years (inclusive) 4.750

Three to five years (inclusive) 4.750

More than five years 4.900

Three, personal housing provident fund loans

Less than five years (inclusive) 2.750

More than five years 3.250.

Operating loan interest rate

Generally speaking, the operating loan interest rate is 4.35% from 10 to June (including June), 4.35% from June to 1 year (including 1 year) and 4.75% from 5 years to 30 years.

I. Business characteristics of operating loans:

Personal business loans of domestic banks have the following characteristics:

1. High loan amount: for example, the maximum loan amount of personal business loans of China Merchants Bank can reach 30 million; China Industrial and Commercial Bank is 6,543,800 yuan;

2. Long loan term: general credit can be up to 10 year, and a single loan can be up to 5 years;

3. There are many ways of guarantee: pledge, mortgage, natural person guarantee, professional guarantee company guarantee, market manager guarantee, joint guarantee, mutual guarantee and combination guarantee.

4. It has the function of revolving loan: this kind of loan can be applied once, recycled and repaid as you borrow it, which is convenient and fast.

Second, the application materials:

1, qualification documents, such as ID card, household registration book or other valid residence documents, business license, etc. ;

2. Documents proving the purpose of the loan, such as sales contracts. ：

3 financial statements (or proof of operating income), tax bills and other proof of repayment ability of the operating enterprise;

4. The supporting documents required for the guarantee. The mortgage (pledge) guarantee shall provide a list of mortgaged (pledge) items, ownership certificate, value certificate and proof that the person with the right to dispose of it agrees to mortgage (pledge); The credit guarantee shall provide the guarantee documents and relevant credit certification materials that the guarantor agrees to perform joint and several liabilities;

5. Proof of a fixed occupation and stable economic income;

6, loan application (the content should include the borrower's resume, work performance, investment project feasibility study report, repayment source, guarantee, the amount and duration of the loan application);

7, not less than 30% of the total investment of the project's own investment funds or payment certificate;

8. Other documents required by the bank. The documents and materials provided by the borrower shall be true and legal.