The calculation steps are as follows: 1, loan interest of Baidu Money Loan = loan principal × daily annual interest rate× specific loan days, with the minimum daily annual interest rate of 0.02%, depending on the standards indicated on the borrower's review webpage.
2. Substituting into the formula, we can get the loan interest = 200,000 * 0.02% * 1 = 40 yuan, so the daily loan interest of 200,000 yuan is about 40 yuan.
Warm reminder: If the loan of 200,000 yuan is a long-term loan, you choose to calculate the interest repayment on a monthly basis. According to the repayment method of equal principal and interest or equal principal and interest, the loan interest is cheaper than the daily calculation, at least the minimum daily interest in 40 yuan is not needed.
Is it appropriate to buy a multi-year gold insurance at the age of 50? For example, a 50-year-old man who buys insurance and loves life is happy to raise more money. He invested more than 50,000 yuan every year, and paid a total of150,000 yuan according to the three-year payment. He will be insured for life and will receive dividend insurance from the age of 60. Details of the dividend insurance in this policy are as follows:
From the age of 60, the beneficiary can receive the annual payment of 123 10.
At the age of 70, he can receive a total of 123 100 years of gold;
At the age of 80, he can receive a total of 233,890 gold;
At the age of 90, you can receive a total of 38 16 10 years of gold;
When you 100 years old, you can get 5047 10 years of gold.
This product has a high credit card quota for dividend insurance, and the policy value is also very good. Although the value of the policy will gradually decrease from the beginning of receiving dividend insurance, it will not be cleared until the insured dies or the protection expires, so the total income of this product is quite good.
What problems should we pay attention to? 1. Configuration order: guarantee first, then invest in wealth management.
To buy insurance and enjoy retirement for many years, we should make an overall plan for our later life. Only by grasping the present can we plan our life well.
To put it simply, only when my physical and mental health is guaranteed can I have a future. Investment and financial management are meaningless.
The protection provided by general financial insurance is very simple, and the symptoms are generally not covered.
However, at present, the cost of treating serious illness is very high, and serious illness will also make customers stop paying financial insurance.
Due to various factors, we can directly provide basic protection, such as critical illness insurance and accident insurance, and then consider financial insurance, such as Yang Le multi-year gold insurance.
2. Integrate the cost budget and define the effective investment amount.
Yang Le has the ability to invest a total of 5,000 yuan in many years. The more we spend now, the more protection we will get in the future.
But we need to arrange the insured amount reasonably according to the current economic situation, which is correct.
3. Clear the disclaimer of new products
Most insurance wealth management products have disclaimers. If we know it in advance, we can get better compensation and improve the probability of compensation.
The above is the question whether it is feasible to buy multiple annuity insurance in Yang Le at the age of 50. I hope the unfinished business will help you.