It's already very low

2. Is the loan charge 10 legal?

Legal analysis: It is legal to charge the service fee if both borrowers and lenders reach an agreement through consultation. According to Article 426 of the Contract Law, if the broker facilitates the establishment of the contract, the client shall pay the remuneration as agreed. Loan security is the primary problem faced by commercial banks; Interest rate of loans and collection of interest. The lender shall determine the interest rate of each loan according to the upper and lower limits of the loan interest rate stipulated by the central bank, and clearly record it in the loan contract. Have the right to refuse the additional conditions beyond the loan contract, such as the loan bank or specific loan manager asking the borrower for money, property or free services, kickbacks and other forms of returns.

Legal basis: Article 4 of the Law of People's Republic of China (PRC) Commercial Bank shall operate independently, bear its own risks, be responsible for its own profits and losses and manage itself by itself in accordance with the principles of safety, liquidity and efficiency.

Article 680 of the Civil Code of People's Republic of China (PRC) prohibits high-interest lending, and the lending rate shall not violate the relevant provisions of the state.

According to Article 6 of Several Opinions of the Supreme People on People's Trial of Lending Cases, the interest rate of private lending may be appropriately higher than that of banks, but it shall not exceed four times the interest rate of similar loans of banks (including the principal interest rate).

Third, the loan is 65,438+10,000 yuan, 20 points! What does this 20 point mean?

20 points means an annual interest rate of 20%.

According to the meaning of the question, the loan principal is 654.38 million yuan, that is, 100000.

20 points, or 20% years.

According to the formula, annual interest rate = annual interest rate of principal.

Substituting the data in the question, we can get the formula:

Annual interest rate = 10000020%=200.

Therefore, the loan 100000, 20 points,100 yuan.

Extended data:

Multiplication algorithm

1, integer

(1) Multiplies the first factor by the number on each bit of the second factor from the cell;

(2) Multiply the number on the second factor, and the last digit of the number is the same as the second factor.

(3) adding the multiplied numbers for multiple times;

2. Decimals

(1) Product found;

(2) Look at a factor * * *, how many decimal places there are, and count the decimal points from the right side of the product;

Step 3 score

(1) Fractions are multiplied by fractions, the product of numerator multiplication is numerator, and the product of denominator multiplication is denominator;

(2) If there is an integer, it will be treated as an integer.

(3) If you can cut the point, cut the point first.

Matters needing attention in loan:

1. When applying for a loan, the borrower should make a correct judgment plan on his economic strength and repayment ability according to the loan interest rate, and leave some room appropriately so as not to affect his normal life.

2. Choose the appropriate repayment method. There are two repayment methods. Once the repayment method is agreed in the contract, it shall not be changed during the whole loan period.

3. From the month following the timely repayment, the repayment date is generally the next month. Don't default on the loan because of your negligence, so that the bank can't apply for a loan again.

4. Take care of your contract and iou, read the terms of the contract carefully, and know your rights and