According to the current loan interest rate, the loan term is six months to one year (inclusive), the annual interest rate of the loan of 654.38 million yuan is 5.3 1%, and the interest payable for the loan of one to three years is10000× 5.31%= 5310.00. There is no difference between buying a car loan and buying a car after the loan is repaid, and the interest on buying a car loan will not be less.
2. What is the interest of the 24th installment of the car loan of 65438+100000?
According to the current loan interest rate, if the loan term is from six months to one year (inclusive), the annual interest rate is 5.3 1%, and the loan is 65,438+ten thousand. The annual interest payable is 100000× 5.3 1% = 53 years (inclusive), and the annual interest rate is 5.40%.
100000× 5.40 %× 2 =10620.00 (yuan), and the principal and interest can be repaid in one lump sum.
3. What's the interest on a loan of 654.38 million yuan to buy a car for three years?
Hello, the loan is the result of comprehensive calculation based on the loan amount, execution interest rate, loan term, repayment method and other factors. It is impossible to calculate the actual monthly payment only by the loan amount.
To calculate the monthly information for reference, please open the following link:/cmbwebpubinfo/cal _ loan _ per.aspx? Chnl=dkjsq tries to use the benchmark interest rate of the current loan to try monthly payment. (You can view information such as monthly payment, monthly principal, monthly interest, principal balance, total interest and total repayment).
4. Interest on automobile loan 65438+36.
Loans to buy a car can be handled through auto financing companies or banks.
In contrast, the bank loan interest rate is lower, and if the lender has business dealings with the bank, the loan pass rate will be relatively higher. So it is better to choose a bank loan if possible. Taking a bank loan as an example, this paper introduces and calculates the interest of car loan.
Judging from the known factors, the amount of car loan is 654.38+ million, which is divided into 36 installments, that is, the loan period is 3 years, and the interest rate of most bank consumer loans in 654.38+03 is 4.75%. There are two repayment methods: equal principal and interest and equal principal and interest.
The following is the interest to be paid under different repayment methods.
1, equal principal and interest repayment, the total interest is 749 1.6 1 yuan, the total principal and interest is1.61yuan, and the monthly repayment amount is fixed at 2985.88 yuan, of which the principal part is monthly.
2. Repay average capital, with total interest of 7322.92 yuan, total principal and interest of 107322.92 yuan, and the repayment amount in the first month of 3 173.6 1. After that, the total monthly repayment will decrease by 1 1 yuan in turn, and only 2788.77 yuan will be needed in the last month.
Comparing the two methods, it is not difficult to see that choosing average capital repayment method saves less interest 168.70 than average capital repayment method, which is relatively more economical.
Although many online loans do not have credit information now, each small loan platform has its own third-party big data credit information platform. If a company is overdue or fails to repay the loan, then the third-party platform it cooperates with will leave a record, and then you want to apply for a loan on other small loan platforms, which is basically difficult to pass. You can get a big data report on "Xiaoqi Credit Check" to keep abreast of your big data status. It is an online loan big data query system that provides accurate and complete data information for online loan applicants.
Extended data:
How to calculate the interest of car loan in general?
The car loan interest is mainly related to the loan interest rate and term, and the calculation formula is: car loan interest = loan amount annual interest rate term.
Need to remind car owners that some are under the banner of "zero interest rate" and "zero down payment", behind which are some decoration packages, handling fees/service fees, etc. It is often bundled, and the final payment amount is often higher than the loan interest.
Before buying a car with a loan, you must know more about the car loan business provided by some formal auto finance guarantee companies, and check whether the company's reputation is good and its business handling ability is strong.