Is interest 0 58 high? Monthly interest rate 0 8 Is it usury

This interest can be said to be not high.

Taking Hefei as an example, the mortgage interest rate for the first home is 20% higher than the benchmark interest rate, which is approximately. As we all know, mortgages are almost the lowest interest rates we can get from formal sources.

As for other borrowings, they are generally in between, let alone private lending. So this interest rate is really not high.

In the process of borrowing money, we all need to pay a certain remuneration for the funds we use, that is, the interest on the loan. On the premise of safety, we naturally want the interest to be as small as possible, but there are also some borrowers who fall into the trap of financial fraud just for the sake of "low interest rates". So how can you find a reliable and reliable borrowing platform with low interest rates?

First of all, we need to choose some regular big brands, and the loan products of regular brands will be more reliable and formal;

Secondly, in the regular brand, we need to compare the loan interest rate and interest fee of each company. Among them, Du Xiaoman Finance's money is easy to apply, fast to lend, flexible to borrow and repay, and users can take the initiative to apply. The interest fee for money is transparent, the interest rate of big brands is reliable, and the maximum borrowing amount is 200,000.

In addition to individual consumers, small and micro business owners who need start-up or working capital can also consider having money to spend, and Money is committed to providing accurate, convenient and efficient financial services for small and micro business owners.

This is provided by Kangbo 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. Hope this helps.

Solution: The known daily interest rate is.

If Zhang deposits 10,000 yuan in the bank, the daily interest rate is, and the deposit period is 1 day, and the daily interest is sought?

Daily interest = principal interest rate Number of interest-bearing periods = 10000 1 = RMB.

Private loans. The monthly interest rate is not too high, the annual interest rate.

Yes, not a cent of interest, more than 2 cents of interest is considered usury.

Discount rate of acceptance bills.

It refers to the ratio of the discount interest of the acceptance bill to the face value of the acceptance bill, when the acceptance bill is discounted in the bank, the discount rate of the acceptance bill is different at different times, and there are differences between different banks. The discount rate is generally based on the day of discounting, and the bank with a good relationship can provide a relatively preferential discount rate.

Extended Materials. What are the specific operating procedures for discounting bank acceptance bills?

1) When the issuing bank is in the local area of the enterprise.

1. The enterprise prepares the original bill of exchange and stamps the endorsement.

Chapter, provide a clear copy of the face value, the name of the receiving unit of the discounted bank acceptance bill, the account, the opening bank, and the large payment number of the opening bank.

2. The bank acceptance bill discount bank and the enterprise shall inquire at the counter of the issuing bank, and check it in about a minute;

3. The bank acceptance bill discount bank notifies its own bank through the large-amount payment system.

The transfer discount will arrive in about minutes.

4. The enterprise confirms that the transaction is completed when the discount payment of the bank acceptance bill is received.

2) When the issuing bank is not in the local area of the enterprise.

1. The enterprise shall provide a clear copy of the coupon and endorsement, the name of the receiving unit, the account of the bank acceptance bill discount, the opening bank, and the large-amount payment number of the opening bank, and fax it to the discount business handling agency.

2. The bank acceptance bill discounting business agency sends a letter or inquires with the issuing bank through the large-value payment system, and generally replies within working days.

3. The enterprise prepares the original bill of exchange, stamps the endorsement seal, makes the payment in the neighboring bank, and verifies the original bill of exchange by the discounting bank, that is, notifies the bank to transfer the money through the large-amount payment system, and the discount payment of the bank acceptance bill arrives in about minutes.

4. The enterprise confirms that the transaction is completed when the discount payment of the bank acceptance bill is received.

There are differences between banks, and the current 6-month discount annual interest rate of bank acceptance bills is about to, and the semi-annual bills are converted and deducted to. Enterprises go to the bank for discounting involves a problem of calculating the discount interest of bank acceptance bills, and the discount interest rate between banks is floating every day, so the discount fee of a bank acceptance bill must refer to the discount rate of the bank announced by the bank on the specific discount date.

80÷30x365=

The monthly interest rate is converted to the adult interest rate, the interest rate is a bit high, but it is not a loan shark.

According to China's laws, the monthly interest rate is multiplied by 12 months, and the annual interest rate is less than 10 percent.

The monthly interest rate, the annual interest rate, is less than 24%, and it is not considered usury.

This is relatively high, which is commonly referred to as 5/10,000 per day. The converted annual interest rate is 18%.

The daily interest rate is very high. The specific reasons are as follows:

1. Based on the daily interest rate, 100 yuan earns 5 cents a day, 10,000 yuan earns 5 yuan a day, and the annual income is 1825 yuan, which is very high.

Use Yue Bao to make a comparison:The income of Yu'e Bao is 10,000 yuan, which means that 10,000 yuan is earned in dollars a day, and the daily interest rate is about 1 9 of the interest rate;

Compare with Coin Pass:The income of 10,000 yuan is 10,000 yuan a day, and the daily interest rate is about 1 9 of the interest rate.

Comparison with bank fixed deposit interest:The annual interest rate of bank fixed deposits in China is generally 445 yuan, which means that the annual interest rate of 10,000 yuan is 445 yuan, the daily income is, and the daily interest rate is, which is still relatively low, about 1 4.

In summary,The daily interest rate of Yu'e Bao and Coin Pass is approximately 1 9 of the daily interest rate, and the daily interest rate of bank fixed deposits is about 1 4So, the daily interest rate is very high.

High, annual interest rate.

1. Lending rates will vary greatly from institution to institution, and the annual interest rate of banks will be much lower than that of private companies. If you take out a loan in a bank, then the annual interest rate of 10% is relatively high, and the average bank will not have such a high annual interest rate, even if the loan term is as long as 5 to 10 years, there will not be such a high loan interest rate. Therefore, if you choose to take out a loan from a bank and the annual interest rate of the loan reaches 10%, you need to consider it carefully.

2. It is not only banks that can issue loans, but also some companies that specialize in loans. For some companies that specialize in loans, the annual interest rate of the loan is about 10%, which is a relatively normal phenomenon.

3. Customers will only choose loans when the existing funds are relatively tight, so when choosing loans, they need to have a more detailed understanding of the annual interest rate of loans between different institutions and enterprises. All in all, under the existing normal conditions, banks with an annual interest rate of 10% on loans are basically non-existent, and for some institutions specializing in lending, this interest rate is indeed relatively common. Therefore, when choosing a loan, customers need to consider all aspects before making a decision.

If the daily interest rate is, if you borrow 10,000 yuan, the interest charged a day is 10,000 yuan; The interest to be charged a month is: 10,000 yuan; The interest to be charged in a year is: 10,000 yuan.

From this example, the daily interest rate is not particularly high.

In addition, the daily interest rate is converted to a monthly interest rate, and the adult interest rate is converted to 18%. However, the state stipulates that the annual interest rate within 24% is legal interest and is protected by law; Between 24% and 36% are natural debts, which can be collected by the borrower if the borrower is willing to bear them; More than 36% is a high interest rate, and the excess part is invalid and not protected by law.

It can be seen that the daily interest rate is legal interest, which is much lower than 24%. The daily interest rate is a medium level in private lending, but it is a bit high in bank loans, after all, the annual interest rate of bank loans will not exceed 10%.

Okay, I'll help you calculate it, and then this annual interest rate is ha, of course, it's very high, but it doesn't exceed the upper limit of legal protection, but this interest is really not cheap, equivalent to 10,000 yuan a year, and you have to give him about 1,800 yuan of interest.

This interest rate is too high, the annualized interest rate is 18%, and borrowing money from borrowing is lower than this interest.

Summary. The interest is not high, and the general interest refers to a month, that is, six thousandths.

Is the interest rate high?

Hello, not high.

The interest is not high, and the general interest refers to a month, that is, six thousandths.

If you borrow 10,000 yuan, the monthly interest of a round of masking is yuan, and the average daily interest of the flat kernel is 60 30 2 yuan. The interest for a year is about 60 times 12 and renting for a month, which is equal to 720 yuan.

Generally, the interest rate of the bank loan is 10,000 yuan.

So the interest is not too high.

Excuse me! Is the interest rate of 70,000 yuan for 36 installments considered high?

Not high. I have a loan of 70,000 yuan, 36 installments for 3 years, and the interest is 14,900, is it high?

Your interest rate is higher than the bank's loan rate, 7 o'clock.

7 o'clock is how much higher.

It is more than 2 points higher than the bank's interest rate.

1.If the daily interest rate is 10,000 yuan, the interest charged for one day is 10,000 = 5 yuan; The interest charged for the first month is: 10,000 yuan; The interest to be charged for a year is: 10,000 yuan.

From this example, the daily interest rate is not particularly high. In addition, the daily interest rate translates to a monthly interest rate and an annual interest rate of 18%. The state stipulates that an annual interest rate of less than 24% is a legal interest and is protected by law; Between 24% and 36% of the portion is natural debt, which is acceptable to the lender if the borrower is willing to take it; More than 36% is high interest, and the excess part is invalid and not protected by law.

It can be seen that the daily interest rate is the statutory interest, which is far lower than the 24% of the historical excite. The daily interest rate is medium in private lending, but it is a bit high in bank lending. After all, the annual interest rate on bank loans will not exceed 10%.

Generally speaking, the daily interest rate is relatively high. If you borrow 10,000 yuan a day, you need 5 yuan interest, 150 yuan a month (calculated as 30 days), and 1,800 yuan a year. If you borrow money on an online loan platform, you also need to pay a handling fee, and the total cost is high.

The daily interest rate should be the daily interest rate, the annual interest rate = the daily interest rate * 365 =, which is usury under the current regulations.

An interest rate higher than the prescribed upper limit is a loan shark. The original provisions stipulate that the interest rate of the interest rate agreed upon by the borrower and the borrower of a private loan exceeds the annual interest rate of more than 36% shall not be protected by law; New regulations in September 2020:

The borrowing interest rate must not exceed four times the market interest rate LPR (four times for one-year tenors announced from April 2020 to the present, and four times for tenors over five years.