How much does it cost to borrow money on a mobile phone? How to calculate the cost, and how much doe

It seems to be calculated by the amount of borrowing and the mortgage period. If you want to bet for a month, take 4000 as an example, it will be about 14 a day.

Private or mobile phone shops take over, generally according to the price of the second-hand phone. The main factors that affect the value are the appearance of the condition, parameters, memory, and flexible operation.

Borrowing money generates interest every day, and it seems like two or three ten-thousandths a day.

The specific loan interest rate depends on the application.

Please agree to the interest rate to confirm at the time.

Money is a credit product with interest calculated on a daily basis, supporting early repayment, the interest rate is determined by the system according to the user's comprehensive situation, the lowest is as low as, if you want the interest rate is low, it is recommended to repay in advance, and the specific interest is to be calculated by yourself.

The current fees and charges mainly include loan interest and borrowing fees (if any), and the platform will charge overdue penalty interest if the platform is overdue. Full Easy Loan currently supports early repayment by borrowers, and whether there is a penalty for early repayment will be subject to the display on the loan page.

This answer is provided by Compo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. I hope you find this answer helpful.

For example, how much does I repay the interest for a month when I borrow Wu Wanyong?

If you want interest, there is no free lunch, and the interest will be calculated according to the specific number of periods you borrow, which is not very clear.

The fraction of interest in private lending generally refers to the monthly interest rate of a few percent, and the loan interest = the principal monthly interest rate and the number of months of borrowing. For example, the loan principal is 10,000 yuan, the monthly interest is two cents, and the interest for one month = 10,000 2% 1 = 200 yuan.

When borrowing from the private sector, it is necessary to pay attention to choosing a reasonable borrowing interest rate according to the actual situation such as the use of funds and the ability to repay, so as to avoid falling into the trap of usury.

According to the "Circular of the People's Bank of China on Banning Underground Money Banks and Cracking Down on Usury", the interest rate of private personal loans shall be determined by the borrower and the borrower through consultation, but the interest rate negotiated by the two parties shall not exceed four times the interest rate of the same period and grade of loans of financial institutions announced by the People's Bank of China (excluding floating). If it exceeds the above standards, it should be defined as usurious lending.

Article 26 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases stipulates that if 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.

Since September 1, 2015, the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases came into effect, and the criterion for usury is no longer based on whether it exceeds 24% per annum, but on whether it exceeds 36%, that is, any interest rate not exceeding 36% per annum is not usury.

1 cent is 1 cent per month, i.e. 1%, and the annual interest rate is 12%.

Borrow 10,000 yuan, 2 cents, that is, 10,000 * yuan.

The monthly interest rate of 2 cents is 2%, and the monthly interest rate of 2 cents is 24 cents, and at present, China stipulates that the maximum interest rate of private loans is 24 per year, that is, the monthly interest rate is 2 cents. If the annual interest rate exceeds 36, it is illegal, and the borrower can claim it back even if he has repaid it.

It refers to the interest of 2 cents per dollar, which means that the interest of 10,000 is 200Generally speaking, usury is a dime of interest. 1000 a month

As a convenient and resource-rich means of financing, private lending has alleviated the contradiction between private lending and bank loans to a certain extent. For a long time, there has been "2 cents of interest" in private lending, so is the interest of 2 cents a month high or low?

I borrowed 10,000 yuan, and they asked me to pay back 2,500 yuan a month.

If you're going to calculate interest, you need to know how you're going to repay the loan. The general unsecured loan interest is as follows:

I Loan: I Loan is charged interest on a daily basis, and interest and guarantee fees are charged according to the balance of the loan, and the daily rate is as follows. If you borrow $2,000, you will only incur a $2 fee per day.

There is also a handling fee of 3 points will be deducted before the loan, for example, if you lend 1w, the actual amount you get is 9700. However, there is a preferential cashback event that you can participate in. For example, if you borrow 1w, 300 will be deducted, and 150 will be repaid to you after the loan is successful. You search for "you take out a loan and I will get it back".

Under normal circumstances, Ping An Puhui's unsecured repayment is "equal principal and interest", so the interest part can be directly arbitraged to calculate the equal principal and interest

A: Interest part (years.

Average Monthly Repayment: Interest Paid:

Total Repayment: B: Guarantee Fee Portion (

Monthly Guarantee Fee = Loan Amount*

Total annual guarantee fee = monthly guarantee fee * number of loan months = 90 * 12 = 1080

Therefore, the monthly repayment amount = average monthly repayment of A + Monthly guarantee fee of B =

The total repayment amount of this loan = total repayment amount of A + total annual guarantee fee of B =

A friend of mine borrowed 590,000 yuan from Jiangsu Bank through Ping An Puhui in the form of real estate mortgage, 36 installments, and the annual interest rate of the bank interest is, but Ping An Puhui also charges insurance premiums, guarantee fees, and service fees of 2832 per month, which is collected every month, which is equivalent to a compound annual interest rate of up to, plus interest up to! It has seriously exceeded the national regulation by 24%! See the table below for specific calculations

In addition to the normal bank interest, you also have to bear high monthly service fees, insurance premiums, and guarantee fees. The fees are staggering, and the loan sharks in disguise are incredibly high.

Don't borrow money from Ping An Puhui, I only know how high the interest rate is when I borrow, I borrowed 28,000Pay back 1900 every month, 36 installments, calculate how high the interest is, it's too tricky, and you regret it if you borrow it, **.

What you are saying is the truth, Ping An payment is to trap you step by step, on the surface the interest rate is not high, the procedures are simple, as long as you sign what fees come out, and even loan insurance premiums, Ping An himself does not lend to you, transfer you to a third party, once you sign you want to cry without tears, a typical pig killing plate!

I took out a loan of 100,000 yuan, monthly interest rate, annual interest rate, and the contract was signed. Four months in advance, a total of yuan will be deducted, and the interest will become monthly interest, which is really fraud, and everyone must not jump into the pit. I hope that the relevant departments will take care of it. Personal experience, tell everyone not to enter the pit!

Spam scam companies, don't be fooled, like Ping An Puhui, there is no regulatory department to investigate?

Ping An Puhui suggested not touching it, usury, the surface interest is not high, and all the fees add up to more than 30%.

Why no one has checked these bastards, they have been deceived, don't use this, it's an extremely unscrupulous enterprise! Be cautious!

**Company, borrowed 8,000, and repaid 12,000, including paying insurance premiums and management fees, one by one higher than the interest, too tricky, I can't afford to borrow I was deceived.

It's similar to loan sharks, it's too fucking a pit man, management fees, guarantee fees, and a water purifier for you, all in addition to interest, it's a dead person!

Once you take out a loan, you will be slaughtered by Ping An Puhui, and the black ones will not even be left for you, and there will be no relevant departments to investigate, usury,

Don't take out a loan, deduct a service fee first after taking out a loan, deduct the service fee every month when repaying, and have an insurance premium that you don't know when to sign is also deducted every month, and you only have to pay for this insurance, and when to pay it, it has nothing to do with your half dime, and it can't be refunded. The monthly principal and interest are not the same, the principal is from less to more, and the interest is from more to less. It is more than 50% of the principal to be repaid.

These are the lessons of blood.

Don't take a loan in Ping An's financial company, it is a disguised usury, a legal usury, I have borrowed 40,000 yuan before, in 36 installments, a total of 65,800, borrow 40,000, and the interest is 25,800! High outrageous !! Don't be deceived!!

Don't touch Ping An Puhui, service fees, insurance premiums, and interest add up to cool crookedness, don't touch it.

The main thing is that there is a guarantee fee or something, which is higher than the interest. The salesman doesn't tell you, many people are trapped.

I'll do the math for you! Metaphorical loan 5w 36 installments They will calculate the interest for you a total of more than 7,000! How's it going?

It's good to be excited! Waiting for you to take the bait! They won't tell you there's a service fee!

Well, if you take out the loan and repay it every month, you will find that the interest is much more than 7,000! It turns out that there is a service fee called nearly 1,000 yuan per month This is calculated as a three-year service fee plus interest and principal You have to pay back nearly 10w Surprised, not surprised! In short, your repayment amount is more than 70% of your loan, and the current regular online loans are all this routine, and the black online loans are even more fierce!

You don't have to read anyone else's reply, let me explain:

1. Different products have different interest rates.

2. As a product positioned as a small ultra-short-term turnover, I loan can be repaid at any time, and there is no need to provide information other than ID card and bank card, and the borrower has a high risk of overdue and non-repayment, so the interest is also positioned as the highest, and the monthly interest is the highest; That is, 10,000 yuan a month 294 yuan rate. Many people apply for it with an ID card, and the interest rate is really high, but you can't evaluate all the services with this product. After all, how much qualifications can an ID card prove you?

3. Oxygen loan is positioned as a small and medium-sized enterprise, and it is a short- and medium-term loan product, which can be borrowed and repaid at any time. The better the qualification, the lower the interest and the larger the appropriation. That is, the monthly rate of 10,000 yuan is between 69 yuan and 179 yuan.

4. Real estate mortgage loans are positioned as higher expenses, short- and medium-term turnover, and the interest is relatively fixed, according to the needs of different repayment modes of customers, the monthly interest is divided into ,,, more than 5 million customers need notarization. In addition, there is no penalty for repayment after three months, and the amount can be withdrawn at any time within five years.

5. In addition to the above fees, there are no other fees.

Loan shark, absolute loan shark! I used the loan guaranteed by the insurance policy to 80,000 yuan, and I got 72,000 yuan. Thirty-six installments are repaid in 4033 installments.

The total amount is 145188 yuan! It's been a year and a half now, and I've been able to earn so much in the eighteenth installment, which is really my hard-earned money.

Two cents of interest, as it comes.

The source monthly interest rate is two cents, that is, the monthly interest rate is 2%, the interest rate of 200,000 a month = 200,000 * 2% = the interest of 4,000 two cents, if it is an annual interest rate of two cents, that is, the annual interest rate is 20%, and the monthly interest rate is 20% 12, 200,000 monthly interest = 200,000 * 20% 12 = about the year, month, and daily interest rate expression:

1) The annual interest rate is the interest calculated on an annual interest cycle. The annual interest rate is expressed as a percentage of the principal amount. 10% is one cent. 1% is 1 centimeter.

2) The monthly interest rate is the interest calculated on a monthly basis. The monthly interest rate is expressed as thousandths of the principal. 10/1000 is one cent, i.e. 1% is 1 cent.

3) The daily interest rate is the interest calculated on a daily basis. The daily interest rate is expressed as a few ten-thousandths of the principal. 10/10,000 is 1 cent, which is 1 cent.

4) Annual interest rate 12 month interest rate, daily interest rate * 365 annual interest rate.

The monthly interest rate is two cents, and the monthly interest payment is 4,000 yuan.

The amount can refer to the second-hand market value! The staking cycle is flexible, valuable, and there is a spare mobile phone to give.

Vehicles, **, all series of electronics!

Inspect the machine, sign the order, seal the cash, pay the cash, and Baizehui.

I can't borrow, and I don't want to guarantee the mortgage only online loans and routine loans, which I'm afraid is not good!

I'm afraid it's not easy to borrow money here, and you don't need much, so you can borrow it from friends and relatives.

If you're a woman, you don't have to pay it back, and it's hard for a man to borrow it, hahaha.

It's a big back, I don't have any friends.

The daily interest rate is 3/10,000, and the annual interest rate is that your P2P annualized rate is greater than 14%, so it can be profitable, and the loan is repaid with equal principal and interest, so you have to repay the total yuan after maturity, and the interest is the yuan. P2P financial management puts 1400 yuan in interest for a year (not considering taking it out every month to repay the loan), so you can still earn yuan.