360 IOUs borrow 8000 points in 12 installments and how much each installment is repaid

The interest on 360 IOUs is not high, how to calculate the interest on 360 IOUs:

The lowest daily interest rate on 360 IOUs is, according to this interest rate, the interest on you borrowing 10,000 yuan for 1 day is 10,000 yuan, if you borrow 10 days, it is 27 yuan, and 100 days is 270 yuan.

Borrow 10,000 yuan from 360, and repay the loan in 6 installments, with a monthly interest rate of 1% and a monthly rate of 1%. Then the total interest can be calculated as yuan through the equal principal and interest calculator. In addition, the monthly handling fee is 10,000 1% = 100 yuan.

The daily interest rate of 360 IOUs is basically in between.

360 IOU Interest Calculation (Example).

360 borrowing will charge different interest depending on the repayment method. If you use the method of repayment in installments, then you will use the same amount of principal and interest to collect interest, and a certain handling fee will also be charged. If you choose to borrow and repay as you go, then the daily interest rate is as low as.

When everyone is short of funds, I use no less than 10 loan products myself, and on the whole, it is still more recommended to have money to spend with Xiaoman (formerly known as finance), for reasons such as up and down: 1. Compared with the invitation system of borrowing and micro loans, you can take the initiative to apply if you have money to spend. 2. The maximum amount is 200,000, the minimum annualized, and the account arrives in 3 minutes, which is already very useful; 3. Regular big platform, don't worry about routines;

4. The general formal product review is relatively strict, although it is easy to use, but it is difficult to apply, and it is the same if you have money to spend, but I am looking for an exclusive application channel for internal personnel, and the next payment rate is very high, so it is the most recommended product in the product, there is no one, since it is recommended to everyone, and the exclusive application channel is presented, and friends in need apply for it themselves, just remember to use it on the same day to get the quota, otherwise it may be withdrawn.

There is another one: 360 IOU is actually the anti-virus king Qihoo 360 online loan platform, which mainly provides pure credit loans for everyone, with a limit of less than 200,000 yuan, a term of use between 1-12 months, and a daily interest rate that can be as low as. As a platform under the network security giant, 360 IOUs are still more reliable than general platforms.

360 IOUs can borrow up to 200,000!

The third:"A new loan"It is an unsecured RMB loan business owned or issued by Ping An Bank for personal legal consumption or business purposes other than the purchase of housing. The information is complete, and the loan will be disbursed within 1-3 working days.

Low application threshold: you can apply with an average monthly income of more than 4,000 yuan (car loan, housing loan, provident fund, insurance policy is preferred), the amount is appropriate, and the repayment is flexible: the loan amount is RMB 10,000 to RMB 500,000; The loan term is 12 months, 24 months, 36 months, and up to 48 months for good occupations.

The calculation method is the total number of borrowings (principal) + total interest to get the number of 12, that is, 8000+ and then use, the final answer is 8,000 points 12 installments of principal plus interest to be repaid every month. The monthly principal repayment is the total number of borrowings 12, which is 8000 12 = yuan. The monthly interest payable is the total interest number 12, which is the dollar.

360 IOUs.

Launched in September 2016, it evaluates customer credit based on 360 big data and provides instant consumer loans based on 360 Finance's personal and small and micro credit platform.

Hello dear, I am glad to answer for you The IOU adopts the method of daily interest, with the lowest daily interest, that is, borrowing 10,000 yuan, the interest of 1 day is only 3 yuan, and the loan period is one year; 2. If you borrow 200,000 yuan a year, you will need 20 * 3 * 365 = 21,900 yuan. I hope my answer is helpful to you

360 IOU loan, 1000 yuan will be returned in 12 months, and 99 yuan 5 cents 8 will be returned every month. Then it's actually 1,200 yuan to be repaid. So it is equivalent to saying that the interest is 200 yuan. Then it is equivalent to saying that the annual interest rate is 20%.

"Equal principal and interest" repayment method;

Formula: Loan amount = monthly repayment amount * [1 - (1 + monthly interest rate) - number of months of repayment] monthly interest rate 1000 = monthly interest rate) -12] monthly interest rate.

Monthly interest rate =Annual interest rate =It turns out that the interest rate of 360 IOUs is not low!

According to the above data, the annual interest rate is high.

The annual interest rate is quite high, but it does not exceed 36%, which is not considered usury.

I think it should be the total number of repayments in 12 months minus the total number of loans, and the number of payments is the amount of interest. So it should be 19%.

360 IOUs.

Borrow 5000 in 12 installments to repay 447 yuan per installment, 360 IOUs per annum.

Yes, the interest is 360 yuan a year, plus the principal is 5360 yuan, divided into 12 installments, and the monthly repayment is about 447 yuan.

Legal Analysis: The monthly interest fee is RMB, and the annualized interest rate is.

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

Article 667 A loan contract is a contract in which the borrower borrows money from the lender and returns the loan at maturity and pays interest.

Article 668: The loan contract shall be in written form, unless otherwise agreed upon between natural persons.

The content of the loan contract generally includes the type of loan, currency, purpose, amount, interest rate, term and repayment method.

Article 669 When entering into a loan contract, the borrower shall, as required by the lender, provide the true information about the business activities and financial status related to the loan.

360 IOUs are legitimate.

360 IOU is a consumer credit brand of 360 Finance, which evaluates user credit based on 360 big data, and provides a limit of 500-200,000 yuan on this basis, with fast arrival and low interest. With its technical and service advantages, 360 IOUs have been well received by users.

360 IOU is based on 360 Credit, an independent third-party credit evaluation and management agency under 360, and objectively presents an individual's credit status through cloud computing, machine learning, 360 big data and other technologies. According to the comprehensive consideration of credit risk, payment habits, consumption situation, etc., users are granted different consumption limits.

If you have capital turnover needs, it is recommended that you use Youqianhua, which is a credit service brand under Du Xiaoman Finance (original name: Youqianhua, renamed in June 2018"There is money to spend"The big brands are reliable, the interest rates are low and trustworthy. There is money to spend - full easy loan, the maximum amount of borrowing is 200,000, and the daily interest rate is as low as low.

When using the products and services provided on 360 IOU, 360 needs to complete anti-money laundering and real-name authentication in accordance with laws, regulations and rules, and the user needs to provide the user's real name, ID card information (ID card type, ID card number, ID card validity period, ID ID image copy), bank card information (bank card**, bank card opening bank, bank card number, bank card validity period and mobile phone number reserved by the bank).

In addition to completing real-name management and customer identification, and in order to prevent fraud risks and ensure security, users need to carry out face and ID card identification authentication, and users agree that 360 has the right to collect users' face** and ID card**.

In order to accurately and effectively complete the user's identity authentication, the user agrees that 360 has the right to submit the aforesaid identification information, including face** and ID card**, to a third-party identity verification agency. If the user refuses to provide such information, the user will not be able to obtain the loan credit, but it will not affect the basic browsing of the products and services on the 360 IOU platform.

According to the official information of 360 IOUs, 360 IOUs can be repaid in up to 12 installments. The main installments of 360 IOUs are 3, 6 and 12. After selecting the installment repayment method, the system will automatically deduct the selected bank card on the repayment date.

You can also choose to repay early if you prefer. 360 IOUs do not require a handling fee when handling early repayment. At the same time, since the interest of 360 IOUs is calculated on a daily basis, the interest that needs to be paid will be calculated until the day of early repayment, and the full installment time will not be calculated.

As for the rate of 360 IOU installment, it is mainly determined by the system through cloud computing, machine learning, big data and other information technologies, and according to the user's accumulated payment habits, consumption and other behavioral data on the network to evaluate the specific situation of the borrower.

Because different people have different credit situations such as income, consumption, and loans, each person's credit qualification in the system will be different. So the respective rates will also be different.

According to the official statement of 360 IOU: 1,000 yuan borrowed for 12 months, the daily fee is 2 cents and 7. In other words, if the repayment is made in 12 installments, the rate of each instalment will be around the same rate.

However, the specific rate of each person's borrowing should still be subject to the actual result.

Yuan. As of September 14, 2022, according to the official information of the platform, 24 installments are two years, the total interest of 50,000 yuan is 11,490 yuan, the monthly principal repayment is 2,083 yuan, and the interest is yuan

2083+ yuan. People must not make late repayments so as not to affect credit issues.

Loan 100,000, 36 installments, first loan 100,000, then the monthly interest is about 400, because the current loan interest rate is about 4%. Then the installment of 36 periods, then the principal of each virtual period is 100000 36 = the principal plus 400 interest, which is 3177. Therefore, the loan is 100,000 yuan, and the monthly payment of each installment is about 3177.

The monthly repayment is about 2,400 yuan.

The People's Bank of China announced that the annual interest rate of the loan for 1-3 years (including 3 years) is calculated according to the benchmark interest rate, and under the condition that the interest rate remains unchanged, the repayment method of equal principal and interest is adopted, and the monthly repayment amount is RMB, and the repayment amount of the first month is RMB, and the monthly repayment amount decreases month by month.