Hello, according to the current annualized interest rate of bank loans of 4.9%, your monthly repayment amount is 1308.89 yuan. Other data are shown in the figure below, please refer to.
2. The commercial loan is 200,000 yuan, which will be paid off in five years. How much should I pay back every month?
Provident fund loan: equal principal and interest will be repaid every month 1454.44, with average capital 1736. 1 1. Commercial loan: 660.05, with an average capital of 82 1. 1 1.
Three, 200 thousand commercial loans, five years to pay off. How much should I pay back every month?
It is related to the implementation of interest rates. The bank loan interest rate is comprehensively evaluated according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first suite). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is 1 of the benchmark interest rate. 1 time or 1. 05 times. Since 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. In early April, the bank began to implement the first home loan interest rate concessions. The interest rate discount of some banks can be up to 15%. The current benchmark interest rate was adjusted and implemented on July 6, 20 12, and the interest rate was 6.5 years. 4% benchmark interest rate: the monthly interest rate is 6. 4%/12' 200,000 5 years (60 months) monthly repayment: 2 million 006. 4%/ 12( 16。 4%/ 12)^60/[( 16。 4%/ 12)^60- 1]=3903。 87 yuan explained: 60 is the 60th power preferential interest rate: the monthly interest rate is 6. 4%0。 85/12.2 million 5 years (60 months) monthly repayment: 2000006. 4%0。 85/ 12( 16。 4%0。 85/ 12)^60/[( 16。 4%0。 85/ 12)^60- 1]=38 14。 70 yuan explained that 60 is the 60th power.
4. What is the monthly loan of 200,000 yuan?
Different loan methods have different interest rates. If it is a commercial loan, the benchmark interest rate set by the central bank is 4.9%, and the loan is 200,000. If you choose a loan with equal principal and interest, you need to repay 211.55 yuan every month, with a total interest of 53,385.75 yuan and a total principal and interest of 253,385.75 yuan. If equal principal repayment is selected, the repayment in the first month is 2483.33 yuan, with a monthly decrease of 6.8 1 yuan, and the total interest is 49,408.33 yuan, and the total principal plus interest is 249,408.33 yuan. The specific amount is subject to the bank. At present, applying for personal loans to spend in advance has become a gradually accepted lifestyle. Enjoy first, then consume, and get personal loans, so that modern urbanites with an increasingly accelerated pace of life can alleviate the pressure brought by all aspects. In recent years, by continuously expanding personal loan business, banks have launched a series of comprehensive and fast personal loan services. For example, personal consumption loans, including personal study abroad loans, personal travel loans, personal car loans and so on. So, what conditions do all kinds of personal loan businesses need to meet? Generally speaking, to apply for a personal loan, you need to meet the following conditions: 1, a China citizen who has a fixed residence, a fixed residence or a valid residence certificate at the place where the loan bank is located, and is under 65 years of age (inclusive) and has full civil capacity; 2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule; 3. Have a good credit record and willingness to repay, and no bad credit record; 4. Being able to provide legal, effective and reliable guarantee recognized by the bank; 5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations; 6. Other conditions stipulated by the bank. Generally speaking, for personal comprehensive consumer loans, personal credit loans and other loan types, the conditions for applying for loans are largely based on personal credit accumulation in banks. At this time, when applying for a loan, try to submit some materials that can increase your credit, such as academic qualifications and income certificates. The higher the credit accumulation, the larger the loan amount. Grade 5 normal borrowers can perform the contract and always repay the principal and interest normally. There are no unfavorable factors affecting the timely and full repayment of loan principal and interest, and the bank is fully confident that the borrower can repay the loan principal and interest on time and in full. The probability of loan loss is 0. Worried that although the borrower has the ability to repay the loan principal and interest, there are some factors that may adversely affect the repayment. If these factors persist, the borrower's repayment ability will be affected and the probability of loan loss will not exceed 5%. There are obvious problems in the repayment ability of subprime borrowers, and they can't repay the loan principal and interest in full by relying entirely on their normal operating income. They need to repay the interest by disposing of assets, external financing and even implementing mortgage guarantee. The probability of loan loss is 30%-50%. Suspicious borrowers can't repay the loan principal and interest in full, even if the mortgage or guarantee is implemented, it will certainly cause certain losses, just because of the borrower's reorganization, merger, merger, mortgage disposal, pending litigation and other factors, the amount of losses is still uncertain, and the probability of loan losses is between 50% and 75%. Loss refers to the possibility that the borrower will repay the principal and interest for free. No matter what measures and procedures are taken, the loan is bound to be lost, or even if a small part can be recovered, its value is minimal. From the bank's point of view, it is meaningless and necessary to keep it as a bank asset in the accounts. Such loans should be written off immediately after the necessary legal procedures are fulfilled, and the loan loss probability is 75%- 100%.