How much can you borrow in a good installment, and is a good installment considered a loan shark?

It is recommended to choose formal banking channels to apply for loans, and here we recommend the online quick loan launched by the Agricultural Bank of China.

Netfast Loan refers to a small consumer loan issued by ABC in cash to individual customers of ABC who meet certain conditions, and is self-applied for, quickly received, automatically approved, and self-service.

2) The borrower understands the product situation, the basic conditions of the loan and the handling process.

3) Fill in the basic information, the term of the loan to be applied, the borrowing and repayment account, the mailing address, etc.

4) The system verifies the validity of the mobile phone number.

6) Confirm the loan information, the amount of the loan to be applied for, the purpose of the loan, etc.

If you need to apply for other loans, please refer to the loan page on the official website of our bank for details.

I have more than a dozen platforms here for you to choose from.

Of course, it doesn't count, because this is a normal lending institution, although the interest rate is a little high, but it is still relatively in line with the standard, and when it is running, it is also very in line with the national regulations, so it is not considered usury.

It's not a loan shark, it's a very good loan platform, and I don't think the interest rate of this platform is particularly high, and it is acceptable to ordinary people.

It is considered usury, because the interest rate is very high, and the average family simply cannot afford to be relieved, which will also have a serious impact on us.

Summary. Optimal installment is an online installment loan product, focusing on providing installment loan services to loan applicants, and at the same time, excellent installment is also a loan platform that runs online after passing the review of national regulations, so excellent installment must be legal. When applying for preferential installment, it is different from conventional loan products, and the whole process is completed on the basis of the network, and the first applicant needs to obtain his or her own loan account on the platform through identity information registration.

Second, when the loan application account is authorized by the system, the applicant can directly apply for the loan through his own account, and at the same time, the system will automatically review the information of the applicant and issue the quota. Third, when the loan amount is issued, the applicant can withdraw the loan by binding the bank account information.

Optimal installment is an online installment loan product, focusing on providing installment loan services to applicants, and at the same time, excellent installment is also a loan platform that runs online after passing the national regulations and the review of travel consumption, so excellent installment must be legal for Youmoqing. When applying for preferential installment, it is different from conventional loan products, and the whole process is completed on the basis of the network, and the first applicant needs to obtain his or her own loan account on the platform through identity information registration. Second, when the loan application account is authorized by the system, the applicant can directly apply for the loan through his own account, and at the same time, the system will automatically review the information of the applicant and issue the quota.

Third, when the loan amount is issued, the applicant can withdraw the loan by binding the bank account information.

I don't think online loans are reliable, so it's better to go to the bank for a loan.

Of course, big brands can still be trusted, for example, JD.com.

The general interest rate is the interest rate that does not enjoy any preferential conditions. Preferential interest rates refer to preferential interest rate policies formulated for certain departments, industries and individuals.

According to the different requirements of the banking business, it is divided into deposit interest rate and loan interest rate.

The deposit interest rate is the ratio of the interest earned on deposits with financial institutions to the principal. The loan interest rate is the ratio of the interest paid on a loan from a financial institution to the principal.

According to the supply and demand relationship with the market interest rate, it is divided into fixed interest rate and floating interest rate.

According to the change relationship between interest rates, it is divided into benchmark interest rate and arbitrage interest rate.

The benchmark interest rate is the interest rate that plays a decisive role under the condition of the coexistence of multiple interest rates, and China is the interest rate of the People's Bank of China on commercial bank loans.

Lump sum deposit is a common method adopted by ordinary residents, taking the calculation of the interest rate of lump sum deposit as an example.

The balance of the lump sum deposit is increasing day by day, so we cannot simply use the method of calculating the interest of the lump sum deposit, but can only use the simple interest annuity method to calculate, the formula is as follows:

sn =a(1+r)+a(1+2r)+…a(1+nr)

na+1/2 n(n+1)ar

Among them, A represents the principal deposited in each period, and Sn is the sum of principal and interest after N periods, and Sn can also be called the final value of simple interest annuity. In the above equation, na is the total amount of principal saved, and 1 2 n(n ten1)ar is the total amount of interest earned.

Usually, the lump sum deposit is made once a month, and the deposit amount is the same each time, so for the sake of convenience, we can make the deposit period constant as follows:

If the shelf life is 1 year, then d = 1 2 n (n ten 1) = 1 2 12 (12 + 1) = 78

Similarly, if the deposit period is 2 years, then the constant can be calculated from the above equation d=300, and if the deposit period is 3 years, the constant is d=666.

In this way, we have: 1 2 n(n ten 1) ar=dar, that is, the interest on the fractional deposit.

For example, you deposit $1,000 per month. The deposit period is 1 year, and the monthly interest rate of the deposit is the current one-year one-year zero deposit and withdrawal monthly interest rate implemented from October 29 of the year), then the annual interest at maturity is: 1000 78 yuan).

If the depositor withdraws overdue, then the interest on the balance at maturity on the number of days of expiration will be calculated according to the interest rate of the current account.

There is another way to calculate the interest on the lump sum deposit, which is the fixed interest calculation method.

The so-called fixed interest calculation method is to use the accumulation method to calculate the interest of each yuan into a fixed interest, and then multiply the fixed interest per yuan by the balance at maturity to obtain the interest amount.

Fixed interest per dollar =1 2 n(n+1)nar na=1 2(n ten1)r

If so, the monthly interest rate of the current one-year lump sum deposit is. Then, we can calculate the fixed interest per dollar as: 1 2 (12+1).

You deposit 1000 yuan per month, and this maturity balance is: 1000 12 = 12000 (yuan).

The interest is: 12,000 yuan).

After deducting the 20% interest tax, you will actually get interest dollars. (Note: Interest accrued after October 9, 2008 is no longer subject to interest tax).

The payment interest rate of the excellent installment is through the law of your month, the excellent installment recommendation code 23229

The distinction between usury and usury should be based on the agreed interest rate.

It is not advisable to consider such acts.

Usury is illegal, so the borrower only needs to repay the principal and interest within the scope of the law, and because of the violent crime when the usury has multiple ways to collect debts, it is not recommended that the parties consider this kind of borrowing.

Private lending is a civil act, which is subject to the constraints and protection of civil law and contract law.

However, according to Article 211 of the Contract Law, "if the loan contract between natural persons stipulates the payment of interest, the interest rate of the loan shall not violate the relevant provisions of the state on restricting the interest rate of the loan".

According to the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases, if the interest rate agreed between the borrower and the borrower does not exceed 24% per annum, the lender has the right to request the borrower to pay interest at the agreed interest rate. However, if the interest rate agreed between the borrower and the borrower exceeds 36% per annum, the interest in excess of 36% per annum shall be deemed invalid.

Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases

Article 26: Where the interest rate agreed upon by 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.

It's okay. The interest rate is indeed a little higher.