First, the bank loan is 300,000 yuan, and the five-year interest is about 73,500 yuan. At present, the central bank's benchmark interest rate for commercial loans with a loan term of more than five years is 4.90%, but the interest rates in different regions and different banks are different. The bank will give you a loan interest rate when you borrow money. Generally speaking, interest = principal × interest rate× term, calculated according to the benchmark interest rate, that is to say, 30× 4.90 %× 5 = 73,500 yuan.

Second, the relevant contents of bank loans

1. Bank loan refers to an economic behavior that an individual or enterprise lends funds to an individual or enterprise in need of funds at a certain interest rate according to the national policy of the bank and returns them within the agreed time limit. In different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.

2. Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is recognized by the bank and provides effective guarantee. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability.

How much is the interest on a loan of 300,000 yuan in Bank of Ningbo for five years?

Bank of Ningbo borrows 300,000 yuan and repays it for 5 years, with interest of 17700. Displays information about the query. According to China's relevant regulations, the five-year interest of a loan of 300,000 yuan is 5.9%, and the loan of 300,000 yuan is multiplied by 5.9% to get 1.77 million yuan, of which the interest is 3 1.77 million yuan. The bank loan is 300,000 yuan, and the five-year interest is about 73,500 yuan. At present, the benchmark interest rate of the central bank for commercial loans with a loan term of more than five years is 0.049, and the interest rates in different regions and different banks are different. When making a loan, the bank will give a loan interest rate. Interest = principal × interest rate × term.

Mr. Shen borrowed 300,000 yuan from the bank to buy a house. The loan term is 5 years and the annual interest rate is 6.6%. If the monthly repayment amount remains unchanged, Mr. Shen will pay an average of

First, the monthly repayment is 6650 yuan.

Lend 300,000 yuan to buy a house, the loan term is 5 years, and the annual interest rate is 6.6%.

Annual interest rate = principal annual interest rate =3000006.6%= 19800 yuan.

5-year interest = 5 19800 = 99000 = 99000, that is, principal and interest = 309900 = 399000 yuan.

Teacher Shen will pay the bank 399,000 yuan.

5 years ***60 months, the monthly repayment amount remains unchanged.

Monthly repayment = 39.9/60 = 6650 yuan, that is, monthly repayment is 6650 yuan.

Second, the monthly repayment is 5883.438+0 yuan.

The loan amount is RMB 300,000.00 Yuan, the term is 5 years (60 installments), and the repayment method is equal principal and interest, calculated at the benchmark annual interest rate of 6.6% (unchanged):

Monthly payment = [loan principal × monthly interest rate ×( 1 interest rate) repayment months ]=[( 1 interest rate) repayment months-1]

Monthly payment = (3000006.6%12 (16.6%12) 60)/((16.6%/12) 60-/kloc-.

The interest payable for five years * * * is 5883.9160-300000 = 53034.6 yuan.

Extended data:

Matching principal and interest repayment method, also known as regular interest payment method, means that the borrower repays the loan principal and interest in equal amount every month, calculates the monthly loan interest according to the remaining loan principal at the beginning of the month, and settles it every month. Add up the total principal and interest of the mortgage loan and distribute it evenly to each month of the repayment period. As a repayment, he pays a fixed amount to the bank every month, but the proportion of principal in the monthly repayment increases month by month, and the proportion of interest decreases month by month.