At present, the annual interest rate of the loan for 1-3 years (including 3 years) announced by the People's Bank of China is 4.75%. According to the benchmark interest rate, the total interest is 65,438+04,983.23 yuan, and if the average capital method is adopted, the total interest is 65,438+04,645.83 yuan. (The above amounts are for reference only)
If you are going to apply for a loan through China Merchants Bank, the loan interest rate needs to be comprehensively priced according to the business type you apply for, and can only be determined after approval by the handling outlets.
2. How much is the monthly car loan of 200,000 yuan?
If the price of the car itself is around 200 thousand, it depends on how much you pay down. The following totals 200,000 yuan for your reference. The interest rate of each bank is different, and the repayment method is different. The difference between the following calculations should not be too big. Take Minsheng Bank as an example: pay off in three years (the benchmark interest rate is 6.40%); The repayment interest of equal principal and interest is 20,345.25 yuan, and the repayment interest of equal principal is 65,438+09,733.33 yuan, which will be repaid in five years (the benchmark interest rate is 6.65%); If average capital's repayment interest is 35,445.35 yuan; If the repayment interest of average capital is 33,804.17 yuan. Million car purchase subsidy
Third, the car loan is repaid in three years, with interest for more than one year.
At present, the annual interest rate of the loan for 1-3 years (including 3 years) announced by the People's Bank of China is 4.75%. According to the benchmark interest rate, with the interest rate unchanged, the principal and interest will be repaid in equal amount, with the total interest of 14983.23 yuan and the average capital method interest of 14645.83 yuan. (The above amounts are for reference only)
If you are going to apply for a loan through China Merchants Bank, the loan interest rate needs to be comprehensively priced in combination with the business type, credit status, guarantee method and other factors you apply for, and can only be determined after approval by the handling outlets.
4. The loan is 200,000 yuan, with an annual interest rate of 3.8 10 year. How much should I pay back every month? Equal principal and interest?
The monthly repayment amount is about 2000 yuan, including principal 1372 yuan and interest of 633 yuan. The total loan amount is 200,000, and the total repayment amount in ten years should be more than 240,000. Monthly repayment amount of equal principal and interest = loan principal × monthly interest × repayment months