I want to borrow 10,000 yuan and repay it in installments, is it okay?

In April, Ant borrowed 10,000 yuan, and the loan speed can be described as a word "fast", apply immediately, and it can be received immediately, which is really real-time, for this, the author likes it very much. The author uses the method of equal principal and interest to repay the loan, which simply means that the same amount is repaid every month. Through calculations, the author can know that it is about 2 yuan a day, and it is not up to 2 yuan.

You have to repay the yuan every month, and this amount is multiplied by half a year (the author's loan period is six months), then you can know that you have to repay a total of 10,323 yuan, which is equivalent to the interest of more than 300 yuan you have to repay. Half a year is calculated according to 180 days, which is about less than 2 yuan of interest per day.

Anyway, I have to repay 1,720 yuan per month, and I can pay it off within half a year, and the interest is relatively low. But some netizens may want to ask, I also borrowed 10,000 yuan, why is your interest much lower than mine, in fact, different Alipay, the interest will be different, and it is also related to your loan term, the shorter you borrow, then your interest will definitely be lower.

If you need to apply for a small cash loan, China Merchants Bank has a flash loan business, which can be applied for through mobile banking or check whether you are eligible to apply.

1. After the flash loan is disbursed, cash will be issued in the designated account, and the funds can only be used for normal bulk consumption and transfer, and cannot be invested, flowed into **, real estate and other directions.

2. If you have a CMB savings card, you can log in to the mobile banking and click "My All Borrow Money Flash Loan" to apply for a flash loan. Your specific quota will be approved according to your business situation in China Merchants Bank, and you can view it if your application is successful.

3. The provisions on the amount of flash loans are different for different types, and the maximum credit line is not more than 300,000 yuan, which is subject to the display on the loan page. If you have been eligible for a flash loan, you can log in to the "Flash Loan" module of China Merchants Bank mobile banking app or online banking to check your maximum application amount, with a minimum withdrawal amount of RMB 1,000 and a maximum of the quota amount, and an integer multiple of 1,000.

4. There are two types of loans that can be applied for within the flash loan limit:

1) 15 minutes loan disbursement will be automatically approved within 5-10 minutes, and the loan will be disbursed immediately after approval, and the result will be notified by SMS.

2) Loan disbursement on T+1 day, there will be a call from the electric core ** to verify within T+1 day, and arrange the loan after confirming the information. If you do not answer the contact 3 times, the application will fail and you will need to apply again.

When the amount of flash loan is established, there will be a check record on the credit report. If you only successfully establish a quota but do not withdraw money: there will be no quota record in the credit report; For each subsequent withdrawal, there will be a loan record in the credit report.

Legal analysis: borrow 10,000 yuan, the interest on the loan in the regular bank is generally monthly, the monthly interest is about 6, the interest of that year is 720 yuan, and the interest for two years is 1440 yuan, plus the principal. That is, 11,440 yuan is paid off in 24 months, at least 480 yuan per month, if you borrow private money or usury, then your repayment will be higher, because of private and usury, it is calculated as daily interest.

So try to borrow money from formal platforms.

Legal basis: Article 674 of the Civil Code The borrower shall pay interest within the agreed period. Where there is no agreement on the time limit for the payment of interest or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 510 of this Law, and the loan period is less than one year, it shall be paid together with the return of the loan; If the loan period is more than one year, it shall be paid at the end of each year, and if the remaining period is less than one year, it shall be paid together with the return of the loan.

Hello, the interest generated by the loan will incur different fees due to product details, credit comprehensiveness, repayment method and time, etc., and everyone's situation is different, and the costs incurred are also different. When we apply for a loan, we should not only compare the interest, but also comprehensively check the reliability of the loan platform, so as to ensure the safety of our information and property.

A score of 2 is 20%.

The interest is 2,000 yuan in a year, and the principal is 12,000.

In private lending, the borrower and the borrower are most likely to have conflicts over the interest rate of private lending. For disputes over private loan interest, reference may be made to the clear provisions of the Contract Law:

First, according to the principle of good faith, if the borrower and the borrower do not agree on the interest issue in the loan contract, it has the nature of a gratuitous loan to a certain extent. If the debtor repays the loan before the expiration of the loan term or if the repayment period is not agreed upon, and when the creditor requests repayment, the repayment is made within a reasonable period, no interest shall be paid.

Second, if a dispute arises between the borrower and the borrower after agreeing on the interest rate standard, the interest rate standard may be determined within the standard of no more than four times the interest rate of the same type of bank loan. Interest on excess is not protected.

Third, in interest-bearing loans, the interest rate may be appropriately higher than the bank interest rate, and the interest rate agreed between the borrower and the borrower does not exceed 24% per annum, and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it. If the interest rate agreed between the borrower and the borrower exceeds 36% per annum, the interest agreement on the excess part shall be invalid. Where the borrower requests the lender to return the interest paid in excess of 36% of the annual interest rate, the people's court shall support it.

Fourth, the Several Opinions on the Trial of Loan Cases by the People's Courts clearly stipulates that; The lender shall not include the interest in the principal to calculate compound interest, otherwise it will not be protected by law. This provision has a certain punitive effect in judicial practice, and if you violate this provision, you may be judged by the court to pay interest at the loan interest rate for the same period, then you may not be able to claim to return the multiple you agreed upon at the beginning.

Fifth, if a dispute arises between the parties over the loan of foreign currency, Taiwan dollar, etc., and the lender requests repayment in the same currency, it may be allowed. If the borrower does not have the same currency, it can be repaid by referring to the foreign exchange rate at the time of repayment. If the lender requests to pay interest, it may refer to the foreign currency savings interest rate of the Bank of China to calculate the interest.

The monthly interest rate is 2%, and the compound interest rate is calculated

10000*(1+2%) 12=Interest is.

10,000 * repay 2,000 yuan of interest a year.

Two-cent interest generally refers to a monthly interest rate of 2%.

Therefore, in a year, the interest alone must be 10,000 * 2% * 12 = 2,400

Legal analysis: the legal consequences of not repaying the borrowed money: if the repayment is not made by the repayment date, if the corresponding liability for breach of contract is stipulated in the IOU, such as:

Late payment fees, etc., the ultimate debtor may be liable for liquidated damages other than the principal and interest. If the creditor still fails to repay the loan after filing a lawsuit with the court, it may affect the debtor's credit and be blacklisted. This will cause inconvenience to the debtor's future life such as loans, travel and other behaviors.

Simple private lending generally does not meet criminal liability, but if the debtor uses fictitious facts or conceals the truth for the purpose of illegal possession to defraud a large amount of public or private property, it may constitute the crime of fraud.

Legal basis: "Criminal Law of the People's Republic of China" Article 266: Where public or private property is defrauded and the amount is relatively large, a sentence of up to three years imprisonment, short-term detention or controlled release is to be given, and/or a single fine of a huge amount is to be given or there are other serious circumstances, a sentence of between three and ten years imprisonment is to be given, and where the amount of the fine is especially huge or there are other especially serious circumstances, a sentence of not less than ten years imprisonment or life imprisonment is to be given, and a concurrent fine or confiscation of property. Where this Law provides otherwise, follow those provisions.

Legal Analysis: If you owe money in good installments, then you must repay the money within the specified period. However, if the borrowing interest rate has exceeded 36%, the debtor does not need to fulfill the repayment obligation for the excess amount.

However, this does not mean that the remaining amount does not need to be repaid. Therefore, it is recommended that the debtor repay the loan by seeking the help of relatives and friends, otherwise he will be pulled into the credit blacklist, which will have many adverse effects on his later life, such as not being able to apply for a loan to buy a house.

Legal basis: Civil Code of the People's Republic of China

Article 679:A loan contract between natural persons shall be established when the lender provides the loan. Article 211: [Interest Rates on Loan Contracts Between Natural Persons] Where there is no agreement on the payment of interest in a loan contract between natural persons or the agreement is not clear, it is deemed that interest is not paid.

Where the loan contract between natural persons stipulates the payment of interest, the interest rate of the loan shall not violate the provisions of the state on restricting the interest rate on borrowing.

$200 interest per month.

According to the title, two cents of interest, i.e. interest rate = 2%.

The principal amount is 10,000 yuan, that is, 10,000 yuan.

According to the formula, interest = principal * interest rate.

Substituting the data in the question, the column formula can be obtained:

Interest = 10000 * 2% = 200 (yuan).

The monthly interest rate of private lending is generally 10,000 * 2% = 200 per month annual interest rate: 10,000 * 20% 12=.

The annual interest rate is 1200! Super expensive than banks.