The monthly repayment amount of 300,000 bank loans for ten years is calculated according to the charging standard of the lending bank. Take Bank of China as an example:
Annual interest rate of loan principal = annual interest. In 202 1 year, the annual interest rate of China Bank was 4.75%, and the loan was RMB 300,000, with annual interest of RMB14,250. The interest for ten years is 142500 yuan;
Monthly principal repayment: 300,000 yuan/120 = 2,500 yuan;
Monthly interest payable:142500/120 =1187.5 yuan;
Monthly repayment is equal to monthly repayment principal plus monthly repayment interest: 25001187.5 = 3687.5 yuan.
/kloc-how much is a monthly loan of 200,000 yuan in 0/0?
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%.
The loan is 200,000 yuan. If you choose a loan with equal principal and interest, you need to repay 2 1 1.55 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.
Extended data:
1. Equal principal and interest
Matching principal and interest refers to a loan repayment method, that is, repaying the same amount of loans (including principal and interest) every month during the repayment period.
Equal principal and interest and average capital are not the same concept. Although the monthly repayment amount may be lower than that of average capital at the beginning, the final interest will be higher than that of average capital, which is often used by banks.
Refund method
In other words, the total principal and interest of the mortgage loan are added up and then evenly distributed to each month of the repayment period. The monthly repayment amount is fixed, but the proportion of principal in the monthly repayment amount increases month by month, and the proportion of interest decreases month by month. For a long time, this method is the most commonly used and recommended method by most banks.
Matching principal and interest repayment method means that the borrower repays the loan principal and interest with the same amount every month, in which the monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled every month.
Second, the average capital
Average capital refers to a repayment method of loans. During the repayment period, the total amount of loans is divided into equal parts, and the same amount of principal and interest generated by the remaining loans in that month are repaid every month. In this way, because the monthly repayment amount is fixed and the interest is less and less, the borrower is under great repayment pressure at first, but as time goes on, the monthly repayment amount is less and less.
The average capital repayment method means that the borrower repays the loan principal with the same amount (loan amount/loan months) every month, and the monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled every month, and the sum of the two is the monthly repayment amount.
Third, the repayment of equal principal and interest has the same amount every month, which is relatively stable and suitable for some people with insufficient funds; The average capital is repaid the most in the first month. With the passage of time, the pressure gradually decreases, which is more suitable for some people who can bear the pressure in the early stage. At present, these two repayment methods are roughly the same. When choosing the repayment method, don't blindly choose because average capital has less repayment interest. If you can't bear the early pressure, it may lead to overdue, and the bank loans overdue will be recorded in the credit report one day. If the repayment funds are insufficient, you should communicate with the bank in time and ask if the minimum repayment can be made.
At present, the loan interest rates of most domestic banks are floating, and the loan interest rates implemented by commercial banks can fluctuate based on the benchmark interest rate within the floating range allowed by the central bank according to the actual situation of borrowers, so the specific loan interest rates of each bank are not exactly the same. The specific bank loan interest rate is subject to the announcement of the local bank. First of all, understand the specific bank loan interest rate implemented by your bank, and then use the above formula to find out what the bank loan interest is!
Is there a loan with a term of 10 years?
There is a loan in ten years. Installment loan is a loan that the bank allows the borrower to repay in installments within a certain period of time. The premise for banks to issue such loans is to investigate the borrower's financial situation and repayment ability, and the survey results meet the requirements for issuance. At the same time, the time of installment repayment, the amount of each installment repayment and the calculation method of interest must be determined in the payment contract.
Loan means that banks, credit cooperatives and other institutions lend funds to units or individuals who use money, and generally agree on interest and repayment date.
Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of expanding social reproduction and promoting economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Meaning:
Banks put concentrated monetary and monetary funds out through loans to meet the demand for supplementary funds for social expansion and reproduction and promote economic development; At the same time, it can also obtain loan interest income and increase the bank's own accumulation. In China, the principle of paid use of loans is also used to promote enterprises to improve their management; Take bank credit as an important way to allocate funds and an important economic lever to regulate the economy.
General rules:
General principles of loans, in order to standardize the loan behavior, safeguard the legitimate rights and interests of both borrowers and borrowers, ensure the safety of credit assets, and improve the overall efficiency of loan use. In order to promote the sustainable development of social economy, these General Rules are formulated in accordance with the Law of the People's Republic of China on the People's Bank of China and the Law of People's Republic of China (PRC) Commercial Bank, and shall come into force on August 6, 201/kloc-0.
Audit:
Loan audit refers to a special audit provided to banks to examine whether enterprises have the loan conditions and loan purposes required by banks. In the audit report, we not only expressed audit opinions on the accounting statements, but also expressed opinions on the operation and management, financial status and loan use of the enterprise. It is an indispensable basis for banks to avoid loan risks and enterprises to show their operating conditions.
Is the postal service 10 year?
Yes From the business introduction of Postal Bank, we can know that the bank has installment loans. 10 years can be borrowed or returned. China Post Group Co., Ltd., referred to as China Post for short, was formally restructured from the former China Post Group Company on February 20 19, and is a wholly state-owned company established in accordance with the Company Law of People's Republic of China (PRC).
What loan can be divided into 10 years?
Loans that can be borrowed for more than ten years are naturally long-term loans (loans with a term of more than five years belong to the category of long-term loans), and the most important one is housing loans, with a term far exceeding ten years. When they buy a house with a loan, most of them choose a loan with a term of not 20 or 30 years.
Mortgage can be subdivided into individual commercial housing loans, individual housing provident fund loans and portfolio loans (that is, the combination of provident fund loans and operating loans).
In addition, there are technical transformation loans, capital construction loans, equipment loans, long-term loans for agriculture, forestry and aquaculture, etc., which are mainly used for capital construction investment and fixed assets investment.
The amount of this kind of loan is very high, some of which can even be as high as tens of billions, and the loan period is also very long, some even as long as 50 years.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of expanding social reproduction and promoting economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Basic loan terms
Loan target: China citizens who have reached the age of 18 to 60 and have full capacity for civil conduct.
Loan amount: After the borrower provides the pledge, mortgage and third-party guarantee approved by CCB or with certain credit qualification, the bank will verify the corresponding pledge amount, mortgage amount, guarantee amount or credit amount of the borrower.
The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating.
Guarantee method: mortgage, pledge, third-party guarantee or credit granted by CCB.
Application materials to be provided:
(1) A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.
(2) the guarantor's credit certification materials.
(3) Collateral appraisal report issued by the appraisal department recognized by the society.
(4) Other documents and materials required by CCB.
(5) Original and photocopy of the borrower's valid identity certificate.
(6) local permanent residence or valid residence identity certificate.
(7) The borrower shall produce the income certificate issued by the employer, the borrower's tax bill and insurance policy.
(8) The pledge rights required for the borrower to obtain the pledge and the amount of mortgage, the list of collateral and the ownership certificate, and the written documents of the owner and the property co-owner agreeing to pledge and mortgage.
(9) The borrower also needs to provide the hydropower property bill where the company is located and the hydropower property bill with personal address.
This is the end of the loan installment introduced in 10. I wonder if you have found the information you need?