-
Anonymous users2024-02-08Hello, 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.
It is recommended to use Youqian Hua, which was formerly known as "Youqian Hua", which is a credit brand of Du Xiaoman Finance, which provides users with safe, convenient, unsecured and unsecured credit services.
It has the characteristics of simple application, low interest rate and fast loan, flexible borrowing and repayment, transparent interest rate and strong security.
Share with you the application requirements for consumer products with money: it is mainly divided into two parts: age requirements and information requirements.
2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card.
Note: Only debit cards are supported, and the application card is also your debit card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.
This answer is provided by Youqianhua, due to objective reasons such as the timeliness of the content, if the content is inconsistent with the actual interest calculation method of the Qianhua product, it shall be displayed on the page of Du Xiaoman Financial APP-Youqianhua Loan. Hope this helps.
-
Anonymous users2024-02-07Annual interest rate, monthly interest rate, 210,000, 10 years (120 months):
Monthly repayment = 210,000* (1+.)
Total Interest = Description: 120 is to the power of 120.
-
Anonymous users2024-02-06Suppose it is an "equal principal and interest" repayment method;
Annual interest rate =; Monthly interest rate = annual interest rate 12=
Formula: Monthly repayment amount = loan amount * monthly interest rate [1 - (1 + monthly interest rate) - number of months of repayment] monthly repayment amount = 210,000*
Monthly repayment amount = 2, RMBTotal repayment = 272, RMBTotal interest = 62, yuan
-
Anonymous users2024-02-05This data is generally equal principal and interest, which can be obtained according to the equal principal and interest formula:
It can be seen that the interest is 10,000, and the total amount has to be repaid 10,000.
-
Anonymous users2024-02-04Suppose it is an "equal principal and interest" repayment method;
Assuming that the loan execution interest rate is 5%, then, the annual interest rate = 5%, the monthly interest rate = the annual interest rate 12=
Formula] Monthly repayment amount = loan amount * monthly interest rate [1 - (1 + monthly interest rate) - number of months of repayment].
Monthly repayment amount = 250,000*
Monthly repayment amount = 2, RMB
Total repayment = 318, RMB.
Total interest = 68, yuan.
Extended Materials. The main types of personal loans provided by commercial banks.
1) Personal housing loans. Includes:
1. Commercial loans for personal housing.
Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a housing commercial loan applied to the bank by a natural person with full civil capacity to purchase a self-occupied house in an urban area of the city with the property right housing purchased as collateral as a guarantee for loan repayment.
2. Personal housing provident fund loans.
Personal housing provident fund loan is an entrusted loan issued by the policy-based housing provident fund, which refers to the housing provident fund loan applied to the bank by employees who have paid into the housing provident fund to purchase, build, renovate and overhaul self-occupied housing in the cities and towns of the city, and use their property rights as collateral as collateral as a guarantee for repaying the loan.
3. Personal housing portfolio loans.
Where the borrower who meets the conditions for personal housing commercial loan contributes to the housing provident fund at the same time, he can also apply for a personal housing provident fund loan from the bank at the same time as applying for a personal housing commercial loan, that is, the borrower can apply for a personal housing provident fund loan and a personal housing commercial loan from the bank at the same time with the purchased urban self-occupied housing as collateral (this loan method is referred to as a personal housing portfolio loan).
2) Personal car consumer loans.
3) Personal consumer durables loans.
4) Personal policy loans.
Loans are subject to conditions.
First, in terms of loan varieties, it is generally advisable to gradually upgrade from small to large, and you can first apply for working capital loans from banks through effective pledges, mortgages or third-party guarantees, and then apply for project loans when you have a certain strength.
Second, in terms of the amount of loans, since individual and private operators are generally not very wealthy, they should do what they can when making loans, and try to avoid making large investments.
Third, in terms of loan interest rates, according to the relevant regulations of the People's Bank of China, commercial banks and urban and rural credit cooperatives may raise the interest rates on loans to individual and private operators by up to 30 percent. However, the increase rate of banks and credit cooperatives is not consistent, so when applying for a loan, you can 'shop around' and try to choose a financial institution with a small interest rate increase to take out a loan.
-
Anonymous users2024-02-03Depending on the term of your loan and the bank you are borrowing from, the term of the loan and the bank of the loan are different from the bank to which the loan is located.
Take ICBC as an example: on March 1, 2015, the 5-year loan interest rate of ICBC was:
The principal of 250,000 yuan is borrowed in the bank for 10 years, and the repayment is made monthly, and the benchmark interest rate is as follows, and the monthly interest of the loan for the following two loan methods is as follows: equal principal and interest repayment method: total interest:
What is a loan: The so-called loan refers to the monetary funds provided by lending institutions (commercial banks and other financial institutions in China) to borrowers and repaid at the agreed interest rate and period. The loan currency can be in RMB or foreign currency.
Types of loans. Loans are divided by the length of the term, and there are short-term loans, medium-term loans, and long-term loans. A short-term loan is a loan with a loan term of less than 1 year, including 1 year.
Term loan refers to a loan with a term of more than 1 year (excluding 1 year) and less than 5 years (including 5 years).
Long-term loans refer to loans with a loan term of more than 5 years (excluding 5 years).
Hello dear, glad to answer for you.
Suppose it is an "equal principal and interest" repayment method;
Assuming that the loan execution interest rate is 5%, then, the annual interest rate = 5%, the monthly interest rate = the annual interest rate 12=
Formula] Monthly repayment amount = loan amount * monthly interest rate [1 - (1 + monthly interest rate) - number of months of repayment].
Monthly repayment amount = 250,000*
Monthly repayment amount = 2, RMB
Total repayment = 318, RMB.
Total interest = 68, yuan.
Result: Under hypothetical conditions, the loan is repaid 2,000 yuan per month; Total repayment = 318, RMB. Total interest = 68, yuan.
The question is the equal principal, is it good to repay the loan early.
dIt is more cost-effective to repay the loan in a few years.
The monthly repayment amount of the equal principal repayment method = equal principal + loan interest, so in the later stage of repayment, the remaining principal becomes less and less, and the interest generated will also decrease. Generally, when the equal principal repayment exceeds 1 3, the borrower has already repaid nearly half of the interest, so early repayment has less impact on the underpayment of interest.
Thank you for your question.
-
Anonymous users2024-02-02The loan is 250,000 yuan for 20 years, and the monthly repayment is 1,528 yuan according to the equal principal and interest repayment method, with a total interest of 10,000 yuan.
-
Anonymous users2024-02-01Interest is the fee for the use of money for a certain period of time, and refers to the remuneration received by the holder of the currency (creditor) from the borrower (debtor) for lending money or monetary capital. This includes interest on deposits, loans, and interest on various bonds. in the capitalist system.
The source of interest is the surplus value created by the wage labourers.
The essence of interest is a special form of transformation of surplus value, which is part of the profit. The theory of monetary interest holds that interest is the cost of borrowing money and ****, and at the same time it is the income of borrowing and purchasing. As a monetary phenomenon, the interest rate.
The level of the currency is completely determined by the supply and demand of the currency. Chinese scholars believe that in a socialist society with public ownership as the main body.
, interest** on the part of national income or the appreciation of social wealth. In real life, interest is seen as a general form of income, which leads to the capitalization of income.
Interest calculation formula.
As a basic calculation method for calculating bank deposit interest, loan interest, etc., it has played a significant role in the daily settlement of banks and the daily life of ordinary people, and its role will become more and more significant. In the interest calculation formula, the starting point of interest calculation of savings deposits is RMB, and no interest is paid for the dimes below RMB; The interest amount is rounded to the nearest cent, and the actual payment will be rounded to the nearest cent; Except for current savings deposits, which can transfer interest to the principal at annual settlement to earn interest, all other types of savings deposits, regardless of the tenor, will be repaid with the principal at the time of withdrawal, without compound interest.
If the letter of guarantee. , which clearly benefits the beneficiaries by providing for the timing of payment. When the issuing bank delays payment, the letter of guarantee will also stipulate the interest rate or reference standard for the delayed payment.
Another motive for the timing of payment and the delay interest clause is to discourage the applicant from attempting to delay payment by initiating proceedings. The applicant obtained a litigation hold prohibiting bank payments.
In the case of a temporary injunction, it is particularly important to agree on an interest clause because the bank cannot pay the amount under the guarantee until the injunction expires.
-
Anonymous users2024-01-31The loan is 230,000 yuan for 20 years.
1. Equal repayment of principal and interest, monthly repayment, total interest, principal and interest with the total branch of the brother.
2. Equal principal repayment, monthly repayment of principal yuan, first month repayment yuan, monthly decreasing yuan, total interest yuan, total principal and interest yuan.
-
Anonymous users2024-01-30The annual interest rate loan is 23 dong Jing Wan for 20 years, and the repayment method of equal principal and interest is calculated every month, and the result is that it needs to be repaid every month, and it needs to be repaid in 240 months.
-
Anonymous users2024-01-29If you take out a loan through China Merchants Bank, the specific monthly payment also depends on your loan execution interest rate, repayment method, etc., which can be calculated through the official website of China Merchants Bank or mobile banking.
Mobile Banking: Log in to Mobile Banking, click My - All - Assistant - Financial Calculator - Loan Calculator;
China Merchants Bank Homepage: Home Financial Instruments - Personal Loan Calculator in the middle of the homepage.
Enter the loan amount, loan annual interest rate, loan term, select repayment method, etc., and try to calculate the monthly loan payment and interest.
-
Anonymous users2024-01-28Related to the implementation interest rate, the current interest rate for the first home loan with a term of more than five years is between 5% and 6%, and the monthly interest rate is 250,000 yuan compared to the general annual interest rate, calculated by the equal principal and interest repayment method, 10 years (120 months).
Monthly repayment = 250,000* (1+.)
Total Interest = Description: 120 is to the power of 120.
-
Anonymous users2024-01-27It depends on what your loan interest rate is, and the general loan bank will introduce it!!
In the first decade of the 21st century, the Duncan Bryant Shark was one grade for three people and one grade for the others. >>>More
A long time ago, there were only three most famous cities in Sichuan, that is, Chengdu, Chongqing and Wanzhou, which were known as "Chengdu-Chongqing Wanthree-legged Dingli", which showed that Wanzhou was famous at that time; Although the area of the main urban area of Wanzhou is not large, it is a thousand-year-old city, its cultural history is not inferior to Chengdu and Chongqing, so there is a three-legged tripod of Chengdu and Chongqing, the ancient is also called [Wanzhou], once the business (especially silk) is very developed, it is rumored to be the commercial distribution center of the gathering of thousands of merchants, known as the [Silk Road] in southwest and east Sichuan, so the name of [Wanzhou] comes from this; Later, from the late Qing Dynasty to the liberation, it gradually declined due to the war and the obstruction of the development of port water conservancy and transportation. After the founding of the People's Republic of China, it was renamed [Wanxian City], a prefecture-level city, the first important town in eastern Sichuan, with a vast territory and a wide jurisdiction, and geographically governed "nine counties and one city" ('one city' is Wanxian City; 'Nine counties' are Wanxian, Kaixian, Zhongxian, Yunyang, Liangping, Fengjie, Wushan, Wuxi and Chengkou 9 counties); After Chongqing was directly under the central government, Wanxian City was also included in Greater Chongqing and renamed Wanzhou District. Chongqing is called 'Mountain City', Wanzhou has been called 'Little Mountain City', since the eighties of the last century, Wanzhou has another ** nickname [City of All Evil] and [Little Hong Kong], the underworld and society have been popular proverbs so far: >>>More
I have to say that the question of how you will choose between earning 5 million more or living 10 years less is a very real question. Putting your life in exchange for money. I have to say that due to too much social pressure now, in fact, many people are exchanging their lives for money, using their young capital to make money desperately to buy a car, buy a house, and raise a car to support their families. >>>More
First, the interest rate of the bank is uniform, and the money deposited and withdrawn at maturity in any bank is the same. >>>More
You can't ignore Duncan's name among the greatest players of the first decade of the 21st century, who is the strongest power forward in history, and the question may be a matter of opinion, but in my opinion. Duncan is the best power forward of the 21st century, and Duncan is the player who has been selected to the All-Star team for the most time and has the second-most All-Star team among active NBA players. The player with the most All-Defensive Team selections in history. >>>More