The calculation formula of consumer loan interest rate is: consumer loan interest rate = interest/(principal term). The interest rate of general consumer loans fluctuates according to the benchmark interest rate of bank loans, and the specific interest rate will be dynamically adjusted according to the qualifications of applicants. The latest benchmark interest rate of central bank loans: (1) Short-term loans: within one year (including one year), and the adjusted interest rate is 4.35%. (2) Medium and long-term loans: the adjusted interest rate is 4.75% for one year to five years (including five years); The adjusted interest rate for more than five years is 4.90%. (3) Personal housing provident fund loan: the adjusted interest rate for the following five years (including five years) is 2.75%; The adjusted interest rate for more than five years is 3.25%. The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when they issue loans. It is mainly divided into three categories: the loan interest rate of the central bank to commercial banks; The loan interest rate of commercial banks to customers; Interbank lending rate The decisive factor of bank loan interest is: 1, bank cost. Any economic activity needs cost-benefit comparison. There are two types of bank costs: borrowing costs-prepaid interest on borrowed funds; Additional cost-the cost of normal business. 2. Average profit rate. Interest is the subdivision of profit, which must be less than the profit rate, and the average profit rate is the highest limit of interest. 3. Supply and demand of loan funds. If the supply exceeds the demand, the loan interest rate will inevitably fall, and vice versa. In addition, the loan interest rate must also consider price changes, securities returns, political factors and so on. However, some scholars believe that the upper limit of interest rate should be the marginal rate of return of funds. The factor that restricts the interest rate is regarded as the comparison between the profit growth rate of enterprises after borrowing bank loans and the loan interest rate. As long as the former is not lower than the latter, it is possible for enterprises to borrow money from banks. Bank loan interest rate refers to the ratio of interest amount to principal amount during the loan period. Interest rates in China are managed by the Central Bank. Bank loan interest rate refers to the benchmark interest rate set by the central bank, and the actual contract interest rate can fluctuate within a certain range on the basis of the benchmark interest rate. The loan interest rate refers to the ratio of interest amount to principal amount during the loan period. To determine the interest rate of loan contracts with banks and other financial institutions as lenders, the parties can only negotiate within the upper and lower limits of interest rates set by the central bank. If the loan interest rate is high, the repayment amount of the borrower will increase after the loan term, otherwise it will decrease. The loan interest rate is the main basis for the parties to the loan contract to calculate the loan interest, and the loan interest rate clause is the main clause of the loan contract. The interest rate of loan contracts with banks and other financial institutions as lenders can only be negotiated within the upper and lower limits of interest rates stipulated by the central bank. If the loan interest rate agreed by the parties is higher than the interest rate ceiling set by the People's Bank of China, the excess will be invalid; If the interest rate agreed by the parties is lower than the lower limit set by the central bank, the lowest interest rate set by the central bank shall prevail. In addition, if the lender violates the regulations of the central bank and collects any other fees except interest, it will be punished by the central bank.

2.202 1 what is the interest on consumer loans of China Construction Bank?

The interest rate is the same as general loans. At present, there are mainly the following types of consumer credit: first, credit card overdraft/installment; Second, small consumer credit loans from consumer finance companies; Third, the bank's small consumer credit loans; Fourth, bank consumption loans. It is characterized by the most convenient credit card and higher interest rate. Consumer finance companies have the lowest threshold for small consumer credit loans and the highest interest rate. Banks have a higher threshold for consumer credit loans, and banks generally need collateral for consumer loans.

4. What is the interest on the consumer loan of ABC?

The interest of consumption loan of Agricultural Bank can be calculated by the formula of "interest = loan funds × loan interest rate × loan term", and the amount of interest is related to the specific value of the data in the formula. Generally, the data in the formula will be stated in the loan contract, and the borrower can also call the customer service telephone number 95599 of Agricultural Bank of China to inquire about these data.