The loan interest rate (a) interest rate

Ratio of total period of interest and loan funds, is the expression of the loan price. Namely: interest rate = interest amount / loan principal
Rates for daily interest rate, interest rate, annual rate.

According to the national related laws and regulations announced by the lender's benchmark interest rate, the interest rate floating space, and determine lending rates and the bank loan.
(two) the benchmark interest rate

The benchmark interest rate is the interest rate reference function of financial market, interest rates or other financial asset prices can be based on the benchmark
Rate to determine the level of. The benchmark interest rate is one of the important precondition of marketization of interest rate, under the condition of interest rate marketization, financing measure of the cost of financing
Calculation of return on investment, investors, and the management of the macro economic regulation. Objectively requires a universally accepted benchmark interest rate
Flat as a reference. So, in a sense, the benchmark interest rate is the core formation mechanism of interest rate market. That simple point, is that you usually
To go to the bank money, he gave you interest. The benchmark interest rate is greater, more the interest; the benchmark interest rate is small - Shanghai car loans how to operate? The smaller, interest.

Shanghai car loans is not what happens, more and more families choose to buy a car loan. However, the market amidst the winds of change, for a new policy introduced, consumers will have a lot of confusion: I have loan qualification? Where to go for the loan procedures? I should prepare the materials? Etc..Ziyang loans netSo consumers must do their homework in the Shanghai car loans, can avoid detours, unnecessary expenditure of time and money. To purchase a car become easy.

In fact, apply for loans to buy a car seemingly complex is not complicated, the current domestic automobile credit mainly in two forms. One is the commercial banks face direct users. Another is the financial institutions through cooperation and car dealers, and indirectly with customers. Shanghai market is currently 98 � � above the car consumption loans are handled through the second ways, loan formalities in the purchase a car at the same time, the consumer which is the most direct and simple way.

General bank of Shanghai signed the "bank enterprise cooperation" agreement with the large automobile dealers, standard operating procedures, timeliness strong, as the purchase a car makers, only need to provide the relevant information can be; and, the auto loan formalities are many car dealers to provide "one-stop service provided in one of the services", generally do not charge an additional fee to save the cost for you.

In Shanghai a loan to buy a car what procedures need to apply? Simply trial, notarization and mortgage several steps - Shanghai car loans how to operate?
. The trial to loan formalities, must first by the Bank of first instance. Before, consumers must be the following information to the interim procedures of automobile dealers: loan application form (fill in the banks according to the standard format); automobile consumption loan agreement signed with the car dealer; residence booklet, identity cards; a marriage certificate or the unmarried certificate; proof of income; public utilities bills; in order to increase the success rate of the loan application - Shanghai the car how to operate? , can provide the house property card, card of record of formal schooling.

The balance of loans, loans in 2012 financial institutions into the central bank issued the "report" shows, at the end of 2012, the loan balance of RMB of financial institutions 62.99 trillion yuan, a year-on-year growth of 15 � � �. Real estate loans 12.11 yuan, a year-on-year growth of 12.8 � � �. The report shows, real estate loan growth picked up.

At the end of last year, major financial institutions and major financial institutions in rural areas, city credit cooperatives, foreign banks RMB real estate loans 12.11 yuan, a year-on-year growth of 12.8 � � �, 0 higher than the end of the last quarter

.6 percentage points; the annual increase of 1.35 yuan, accounting for the same period of the loan in increments of 17.4 � � �, 2 percentage points higher than the first three quarters.

At the end of the year, real estate development loans to 863000000000 yuan, a year-on-year growth of 12.4 � � �, growth than the end of the last quarter of 5.1 percentage points higher. Real estate development loan balance of 3 yuan, a year-on-year growth of 10.7 � � �, growth of 1.4 percentage points lower than at the end of the quarter. Individual housing loan balance of 8.1 yuan, a year-on-year growth of 13.5 � � �, growth than the end of the last quarter of 0.9 percentage points higher.