Commercial loan interest rate is the interest rate charged by the bank when issuing enterprise loans. Commercial loans, that is, commercial loans, generally refer to provident fund loans, mostly commercial loans for personal housing. The interest of commercial loans depends on the loan amount, loan term and loan interest rate. The loan interest rate is generally subject to certain floating adjustment on the standard of the benchmark loan interest rate stipulated by the Central Bank. The benchmark interest rate of loans stipulated by the Central Bank includes the interest rate of short-term loans, the interest rate of medium and long-term loans, and the interest rate of individual housing provident fund loans.
The commercial loan interest rate of each bank will rise to a certain extent compared with the benchmark interest rate. The central bank will lower the benchmark interest rate of RMB loans and deposits of financial institutions according to the actual situation to reduce the social financing costs.
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Commercial loan interest rate
The annual interest rate of commercial loan for house purchase is 4.35% for six months. If it has been more than one year and is less than three years, its annual interest rate is 4.75%. In fact, the annual interest rate of such a commercial loan is calculated according to the time limit of the loan.
The commercial loan interest rate for house purchase is 0-6 months (including 6 months), and the annual interest rate is 4.35%;
6. Months to one year (including one year), annual interest rate: 4.35%; 1-3 years (including 3 years), annual interest rate: 4.75%;
3. - 5 years (including 5 years), annual interest rate: 4.75%;
5. - 30 years (including 30 years), annual interest rate: 4.90%; The loan interest rate needs to be comprehensively priced in combination with the business type, credit status, guarantee method and other factors you apply for, and can be determined only after being approved by the handling outlets.
The responsibility for breach of contract depends on the contract:
（1） If the contract stipulates that if the bank mortgage cannot be handled due to the buyer's failure to provide materials in a timely manner, or the incomplete provision of materials or the provision of false materials, resulting in the failure of both parties to perform the contract and the failure to achieve the purpose of the contract, the developer has the right to terminate the contract and investigate the buyer's liability for breach of contract.
（2） If the contract stipulates that the mortgage loan of the bank cannot be handled due to the developer's failure to implement the mortgage loan bank or to submit the mortgage loan materials in a timely manner, resulting in the failure of both parties to perform the contract and the failure to achieve the purpose of the contract, according to the contract or the provisions of the Civil Code, the buyer has the right to terminate the contract and require the developer to bear the liability for breach of contract.
（3） If it is the bank's reason that causes the bank's mortgage loan to be postponed, the loan amount to be reduced or cannot be handled, the two parties will generally have a supplementary contract or agreement, which stipulates that the buyer should choose to pay the purchase price within a certain period, or the buyer has the right to terminate the contract; If the developer fails to make up the purchase price within the time limit, the developer has the right to terminate the contract.
To sum up, the interest rate under commercial loans is different from that of provident fund loans, of which the interest rate of provident fund loans is lower. But in reality, not all people meet the conditions for provident fund loans, so at this time they can only buy houses through commercial loans. The specific interest rate of commercial loan for house purchase was introduced by Shan Weiguo. At this time, it depends on the actual loan life. Generally, if the loan life is relatively long, the interest rate will naturally be higher.
In real life, perhaps for most young people, even some people who have worked for a long time, they still need to use an external force to buy houses, such as commercial loans. Of course, such a commercial loan also has an annual profit requirement and an interest provision.
Legal basis: Article 25 of the Provisions on the Administration of RMB Interest Rates, if the lender claims to pay the interest because the lender and the lender have not agreed on the interest, the people's court will not support it.
The people's court shall not support the loan between natural persons where the agreement on interest is unclear and the lender claims to pay interest. Except for the loan between natural persons, if the borrower and the borrower have no clear agreement on the loan interest, and the lender claims the interest, the people's court shall determine the interest based on the content of the private loan contract and the local or party's trading methods, trading habits, market quoted interest rate and other factors.
Article 26 If the lender requests the borrower to pay interest at the interest rate agreed in the contract, the people's court shall support it, except that the interest rate agreed by both parties exceeds four times the market quoted interest rate of one-year loan when the contract is established.
What is the commercial loan interest rate of the bank
Commercial loan interest rate
1. Short term loan: 4.35% within one year (including one year)
2. Medium and long-term loans: one to five years (including five years), 4.75% over five years, 4.90%
3. Interest rate of provident fund loan: less than five years (including five years), 2.75% more than five years, 3.25%.
4. Commercial loan interest=loan amount × loan interest rate × loan term=loan amount × days × daily interest rate=loan amount × months × monthly interest rate=loan amount × year × annual interest rate.
The interest rate is determined by the following factors:
(1) The level of interest rate first depends on the level of social average profit rate, and changes accordingly;
(2) With the average profit rate unchanged, the interest rate depends on the supply and demand of borrowing capital in the financial market;
(3) Lending capital must bear certain risks. The greater the risk, the higher the interest rate;
(4) Inflation has a direct impact on the fluctuation of interest;
(4) The duration of capital lending. The loan term is long, there are many unpredictable factors and risks, so the interest rate is high; On the contrary, the interest rate is low.
