I borrowed 30,000 yuan from the bank first, and paid it off in half a year, with an interest of about 700 yuan in half a year. Second, the requirements and conditions of bank loans are legal and compliant, such as house decoration (joke, how can there be house decoration without a house and a car? No problem. You can also apply for loans to rent a house and study abroad. , but not for the down payment of buying a house, nor for investing in lottery tickets, stocks, wealth management, stocks and so on. Secondly, there is sufficient repayment ability. This is a question of deciding how much to lend and how much to lend. It is reflected in the legitimacy, persistence, adequacy and sustainability of income, and none of them can be less. For example, if you have a stable job and a stable income, after deducting the basic living expenses, liabilities and other expenses from your monthly income, you still have a certain surplus to repay the loan in the future. Third, if the debt is too high, even if the income is stable, the loan may be rejected. Whether you can finally get a loan of 300,000 depends on how much money the borrower has left every month. Suppose you apply for a loan of 300,000 yuan with a term of one year, and repay the principal and interest monthly (the loan scheme is highly probable, because there is no asset accumulation in your name, and the loan term is highly probable not to exceed one year, and the principal will be repaid in installments). You can use this formula to roughly calculate: monthly income-monthly living expenses-other expenses > = 25,000 yuan interest rate, so the borrower's monthly income is really not low. Then the next best thing is to find a guarantor to guarantee the loan. If a guarantor is provided, the loan term may be extended, and the repayment method may also be monthly interest payment and one-time principal repayment, which greatly reduces the repayment pressure and the requirement for the borrower's monthly income. The specific situation needs to be determined according to the policies of banks. Third, personal credit status is good. The credit status needs to conform to the bank's credit policy. For example, there can't be three consecutive loans, and some banks will require that there can't be online loans and small loans, and the number of inquiries can't be too many. Fourth, providing corresponding qualifications can play a icing on the cake. For example, continuous payment of provident fund, social security, commercial insurance policies and good credit card use records will increase the probability of successful loans.
Second, how much interest does the private car mortgage loan have for 30,000 years?
Matching principal and interest method: the interest rate is 4.750%, the term is 2 years, and the loan principal is 30,000 yuan: monthly repayment 13 12.79, total repayment amount is 3 1506.96, and total interest1506.96; Pay interest in the first month: 1 18.75, and pay principal in the first month:1194.04; Repay the interest in the second month: 1 14.02, and repay the principal in the second month: 1 198.77, regardless of the midway interest rate adjustment.
I want to use gold jewelry as collateral and borrow 30,000 yuan from the bank for half a year. ...
Why don't you apply for a credit card? It's only 30 thousand anyway You can apply for three credits, each with a credit limit of 6,543.8+0,000 yuan, and then overdraw each with a minimum monthly repayment. But there is revolving interest, which is much cheaper than your loan, or you can apply directly to the bank without mortgage. Now the bank has this business.
4. I used a 200w W mortgage, why did the bank still charge me100000? It says it wants a deposit.
There is no reason for this. When your bank is waiting, repay the principal and interest on time according to the repayment method you choose. If the loan officer forces someone to use the money, I will tell you the reason for the deposit. According to the bank regulations, there is no deposit.