1000 installment loan is RMB 5,000, and the monthly repayment is 4 10 yuan. Is the interest high? Have you been cheated?

The loan amount is 5000 yuan.

The loan term is 24 months.

Repayment method: equal principal and interest

Repayment cycle: monthly repayment.

The annual interest rate of the loan is 75.76%, which is 65,438+05.9421053 times of PBOC's annual interest rate of 4.75% in 65,438+0-3 years (inclusive), and more than 4 times of PBOC's annual interest rate in the same period. It is not protected by law, and the converted monthly loan interest rate is 63.66638+0333. 43336

The accumulated repayment amount is 9840. 19 yuan.

Total interest paid is 4840. 19 yuan.

Repay the principal and interest of RMB 465,438+00 per month.

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