How much is the general annual interest of online loans, and how much is the interest of regular onl

The annual interest rate of an online loan is generally determined based on factors such as the borrower's credit status, the term of the loan, and the amount borrowed. Different platforms and products will have different interest rate levels. Generally speaking, the annual interest rate of online loans is between 10% and 30%.

The specific interest rate will vary depending on the borrower's credit rating, with the higher the credit rating, the lower the interest rate. In addition, there are platforms that will float interest rates based on the borrower's ability to repay and repayment history.

It should be noted that there are certain risks associated with online lending, and borrowers should carefully evaluate the platform's credit and risk control capabilities when choosing an online lending platform to avoid falling into the trap of high-interest and high-risk lending.

If you are facing the problem of overdue online loans and are being collected, it is recommended that you go to "Xiaoqi Credit Check" to get a detailed big data report, understand your overdue records and classify your online loans to distinguish between regular and non-credit loans. If you want to repay the money but do not have enough funds at present, it is recommended that you negotiate with the online loan platform and give priority to repaying the loan that is regular and on the credit report to minimize the impact on yourself. This will not only improve your creditworthiness, but will also help you apply for other loans in the future.

The annualized rate of return is the annualized rate of return, which is calculated by converting the current rate of return (daily rate of return, weekly rate of return, and monthly rate of return) into an adult rate of return, which is a theoretical rate of return, not a real rate of return that has been obtained. Calculation formula: annualized rate of return = [(investment income principal) investment days] * 365 100%; Annualized Return = Principal Annualized Rate of Return.

1. Is an annualized interest rate of 24% legal?

The annualized interest rate of 24% is legitimate.

More than 24% and no more than 36% are legal, as follows:

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 percent 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.

2. Classification of annual interest: ?

1. The annual interest is less than 24%, which is the so-called two cents. It is protected by national law. That is to say, if you owe someone 1,000 yuan and the interest is agreed to be 24%, then the total principal and interest after one year is 1,240.

That is, 240 yuan of interest a year. If you don't pay back, the other party can go to court to sue you. The court will support it.

36% annual interest is greater than 24% and less than or equal to 36%, which is the so-called three-point interest. According to the current provisions, this part is divided into natural claims, that is, if the state does not protect it in law, but admits that it can have this claim, if you repay this interest as a debtor, and then request the court to order the creditor to return this part of the interest on the contrary grounds, the people's court will not support it.

That is to say, if you borrow usury with an interest rate of three cents, then if you bear the interest because you are afraid, the state will not support your request for a declaration of nullity or a refund of the interest.

part, the state does not recognize, do not protect. It is an illegal part. For example, if you borrow 1,000 yuan with an annual interest rate of 37%, after maturity, 24% of the countries will protect and support it, that is, you have to repay the interest of 240.

As for the interest up to 36%, it is up to both of you to settle it yourself, and the state will not support and protect it, that is, 120 yuan. However, the interest on the remaining 1% is invalid by the state. That is, the last 1%, even if you pay it back, you can ask the other party to return it.

That's 10 yuan.

The annual interest rate of online loans generally depends on a variety of factors, and it is impossible to give an exact figure. Here are some of the factors that can affect interest rates:

1.Borrower's credit profile: Borrowers with better credit may be able to get lower interest rates, while borrowers with less credit may be required to pay higher interest rates.

2.Loan term: Shorter term loans will typically have lower interest rates, while longer-term loans may have higher interest rates.

3.Loan amount: A larger loan amount may result in a higher interest rate because the risk is greater.

4.Market interest rate: The level of interest rate in the market will also have an impact on the interest rate of online loans.

5.Online lending platform policies: Different online lending platforms have formulated different interest rate policies.

In summary, there is no fixed value for online loan interest rates, which will vary depending on individual circumstances and market factors. When choosing an online loan, borrowers should carefully compare the interest rates of different platforms and consider their own repayment ability and the reasonableness of the purpose of the loan.

Related Extended Information: In recent years, China's regulators have imposed strict regulations on the online lending industry, including limiting interest rates and strengthening risk prevention and control. Borrowers should choose a legal and compliant platform to avoid high interest rates and potential risks.

Summary. Hello, dear, the interest rate of regular online loans is generally within 36% per annum. Regardless of whether it is an online loan or a loan, the interest rate within 36% per annum is legal.

More than 36% are not protected by law. The portion of the borrowing interest rate in excess of 24% per annum is not supported, the portion in excess of 36% must be returned, and the portion between 24% and 36% is not required if it has already been paid.

How much is the interest rate of general formal online loans.

Does Home Credit borrow 30,000 to repay 60,000 with high interest? It has been repaid in 42 installments in 60 installments.

Hello, dear, the interest rate of regular online loans is generally within 36% per annum. Regardless of whether it is an online loan or a loan, the interest rate within 36% per annum is legal. More than 36% are not protected by law.

The portion of the borrowing interest rate in excess of 24% per annum is not supported, the portion in excess of 36% must be returned, and the portion between 24% and 36% is not required if it has already been paid.

Hello, dear, as long as the annual interest rate does not exceed 24%, it is compliant. The law prohibits lenders from accruing interest to the principal for compound interest. From this point of view, the law does not recognize compound interest, but the Civil Code does not clearly stipulate the issue of compound interest.

The annual interest rate shall not exceed 24% in accordance with the regulations. The annual interest rate of online loans does not exceed 24%, which is legal, and as long as the annual interest rate does not exceed 24%, it does not violate the relevant provisions of the law. Online lending refers to online lending, and both borrowers and borrowers can use this online platform to realize loans"Transactions"。

Then I can't do it in the next issue.

Hello, dear, it is normal interest for Home Credit to borrow 30,000 to repay 60,000 interest, and you need to pay it back!

That's a lot of interest.

Dear, if you really can't repay, you can negotiate with them to repay!

Hello, dear, I just saw Cheng Wan 6, I'm sorry, you're already 50%, it's more than 36%.

Is he protected by law?

Hello, dear, his annual interest rate is 31%-32%, which is still legal! <>

How to calculate, you have to pay it back.

Yes, you have to pay it back, but you can try to negotiate to repay only the principal or, does early repayment count as interest?

The better platform has an annual interest rate of around 10% to 20%. The annual interest rate is basically around 35%. There are also some black online loans that are loan sharks.

Extended information] online lending, the foreign name is Internet lending, P2P online lending is the abbreviation of online lending, including individual online lending and commercial online lending. P2P online lending refers to direct lending between individuals through Internet platforms. It is a subcategory within the Internet Finance (ITFIN) industry.

The number of online lending platforms in China grew rapidly in 2012, with about 350 active platforms so far, and 3,054 as of the end of April 2015.

In September 2019, the Leading Group for the Special Rectification of Internet Financial Risks and the Leading Group for the Special Rectification of Online Lending Risks jointly issued the Notice on Strengthening the Construction of the Credit Information System in the Field of P2P Online Lending to support the access of P2P online lending institutions to the credit reporting system.

Introduction: The essence of Internet finance is still finance, and the characteristics of financial risks have not changed, such as concealment, contagion, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement for promoting the healthy development of Internet finance.

At the same time, Internet finance is a new thing and an emerging format, and it is necessary to formulate moderately relaxed regulatory policies to leave room and space for Internet financial innovation. By encouraging innovation and strengthening mutual support in supervision, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "lawful supervision, appropriate supervision, classified supervision, coordinated supervision, and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various business formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal and irregular behaviors.

Online lending includes individual online lending (i.e., P2P online lending) and online small loans. Individual online lending refers to direct lending between individuals through Internet platforms. Direct lending on individual online lending platforms falls within the scope of private lending, and is regulated by laws and regulations such as the Contract Law, the General Principles of the Civil Law, and the relevant judicial interpretations of the Supreme People's Court.

Online micro-loans refer to the micro-loans provided by Internet enterprises to customers through the microfinance companies controlled by them. Online microloans should comply with the existing regulatory regulations of microfinance companies, give full play to the advantages of online loans, and strive to reduce customer financing costs. The online lending business is supervised by the China Banking Regulatory Commission.

The supervision of online lending platforms has increased from 5,000 or 6,000 at the peak to only 29 by the end of June, and the special rectification work may be basically completed by the end of the year and transferred to regular supervision.

Summary. Hello <>

Generally, the interest rate of regular online loans is generally between 8% and 24% per annum. Generally, the interest rate of formal online loans is determined based on factors such as the borrower's credit rating and loan term, and the annualized interest rate is generally between 8% and 24%, and the specific interest rate will generally vary depending on the platform.

According to Article 24 of the Contract Law of the People's Republic of China, the parties shall follow the principles of fairness and impartiality when entering into a contract, and shall not harm the public interest and the legitimate rights and interests of others. Therefore, the interest of any platform must not exceed the interest rate cap set by law.

For example, the Interim Measures for the Administration of Microfinance Companies (Draft for Comments) stipulate that the annual interest rate of loans from microfinance companies to individuals shall not exceed 36%.

How much is the interest rate of general formal online loans.

Hello. Hello <>

Generally, the interest rate of regular online loans is generally between 8% and 24% per annum. Generally, the interest rate of formal online loans is determined based on factors such as the borrower's credit rating and loan term, and the annualized interest rate is generally between 8% and 24%, and the specific interest rate will generally vary depending on the platform.

According to Article 24 of the Contract Law of the People's Republic of China, the parties shall follow the principles of fairness and impartiality when entering into a contract, and shall not harm the public interest and the legitimate rights and interests of others. Therefore, the interest of any platform shall not exceed the upper limit of the interest rate prescribed by law.

For example, the Interim Measures for the Administration of Microfinance Companies (Draft for Comments) stipulates that the annual interest rate of loans from microfinance companies to individuals shall not exceed 36%.

Hello <>

In the event of high interest rates or false publicity, the borrower should protect its losses or protect its legitimate rights and interests in a timely manner, and can protect its rights by filing a complaint with the platform or seeking professional legal assistance. In addition, reasonable planning of side-by-air finance, scientific borrowing, and avoiding frequent borrowing and transportation are also effective measures to prevent borrowing risks. <>

If you borrow 10,000 yuan for 12 months, how high is the interest?

Hello <>

The interest shall not exceed 36% of the annual interest rate, so the maximum interest is 3,600 yuan. Supplemental explanation, according to the "Interim Measures for the Management of the Business Activities of Online Lending Information Intermediaries", online lending information intermediaries shall conduct business in accordance with laws and regulations, and shall not illegally raise funds, disguised financing, excessive financing, excessive financing, misappropriation of borrowed funds, and other such acts. For institutions that violate the regulations, the relevant ministries may take measures such as fines, ordering corrections, and suspending operations.

Supplementary reminder that online loan investment needs to be cautious and rational to avoid falling into risks. <>

At present, the annual interest rate of bank loans is between 6% and 8%, while the annual interest rate of micro loans, borrowings and gold bars is about 18%, and most of the interest rates of other online loan products are between 24% and 36%, and some illegal online loans have been far higher than the standard of 36%, which belongs to the category of usury.

For example, if you take out a loan of 10,000 yuan and repay it in 12 installments, what is the interest of each online loan product?

1. Borrow. If you borrow 10,000 yuan, the daily interest rate of the loan is, and the converted adult interest rate is, and the total interest payable is yuan if you choose to repay the loan in equal amounts every month.

2. Quick e-loan.

Loan 10,000 yuan, the annual interest rate of the loan is 9%, choose to repay the loan in equal amounts every month, and the total interest payable is yuan.

IOUs. The loan is 10,000 yuan, and the loan date is converted into an adult interest rate, and the total interest payable is yuan.

Extended Materials. Interest Definition.

1. Money other than the principal obtained from deposits and loans (different from 'principal').

2. Interest (interest) abstractly refers to the value-added amount brought by the injection and return of monetary funds to the real economic sector. Interest is less abstract and generally refers to the remuneration paid by the borrower (debtor) to the lender (creditor) for the use of borrowed money or capital. Also known as sub-gold, the symmetry of the mother gold (principal).

The formula for calculating interest is: interest = principal interest rate deposit term (i.e. time).

Interest is the remuneration received by the owner of the fund for lending the money, which comes from the part of the profit generated by the producer using the money to perform the operating function. It refers to the value-added amount brought by the injection and return of monetary funds to the real economic sector, and its calculation formula is: interest = principal interest rate 100% of the deposit period

3. Classification of bank interest.

According to the nature of the bank's business, it can be divided into two types: bank interest receivable and bank interest payable.

Interest receivable refers to the remuneration that the bank receives from the borrower for lending funds to the borrower; It is the price that the borrower must pay to use the money; It is also a part of the bank's profits.

Interest payable refers to the remuneration paid by the bank to the depositor for absorbing the deposit; It is the price that the bank has to pay to absorb the deposit and is part of the bank's cost.