I. Short-term loans
Six months (inclusive) 4.86
Six months to one year (inclusive) 5.3 1
Second, medium and long-term loans
One to three years (inclusive) 5.40
Three to five years (inclusive) 5.76
More than five years 5.94
Every bank has a floating ratio. For example, the consumer loans of CCB Gold Card customers are down by 65,438+00% in business category, up by 65,438+00% in business category and 5.76% in 50,000 years (equal principal and interest method).
Pay the principal and interest of 96 1.0438+0 yuan every month.
Accumulated interest is 7,664.2 yuan.
The accumulated repayment amount is 57,664.2 yuan.
Average capital method: reduce monthly supply.
Accumulated interest payment is 7320 yuan.
The accumulated repayment amount is 57,320 yuan.
The latter is more cost-effective, but the previous monthly supply is higher. The monthly principal is 50,000 /60 = 833.33 yuan, and the monthly payment decreases month by month.
As for early repayment, it depends on whether the rate of return on funds in your hand is greater than the loan interest. If it is high, don't repay in advance. If it's low, pay it back. For example, there are 30 thousand, the deposit interest rate is much lower than the loan interest, and the repayment is made in advance. If the return on investment is 65,438+00%, don't prepay.
Early repayment should be considered comprehensively. There are many expenses for mortgage loan, such as evaluation fee, mortgage fee and cost. Don't just repay the loan in advance and lack the loan, but also pay the above expenses, which is time-consuming and labor-intensive. Good luck.
In addition, you must go directly to the bank to handle this business. Banks all have this business, but recently the monitoring of loan funds is strict, so you may have to call the other party and get no cash. You can ask more questions in various banks, and all the things you need are similar, such as identity documents, proof of income, proof of use and so on. The mortgage rate ranges from 50% to 70%. Don't look for an intermediary, it will also lead you to go to the bank, and you will only pay more! !