Anyihua has a minimum daily interest rate of 0.02% and a maximum daily interest rate of 0.0483%. The specific execution interest rate is subject to the data displayed on the loan information confirmation page. If the loan interest rate is 0.03%, the loan interest is 100000, and the interest for a loan term of 30 days is: 100000*0.03%*30=900 yuan.
In addition, in addition to interest, Anyihua will also charge an early handling fee and a service fee:
Withdrawal fee = single loan amount * 1%, and the maximum charge is 30 yuan;
Daily service fee = remaining unpaid principal * daily service rate, which is between 0.008 1% and 0.06 14%.
As a loan service, Anyihua loan needs to calculate interest. The loan term is divided into 3 months, 6 months, 12 months, which can be repaid at any time with daily interest. The minimum expected annualized interest rate is 0.02%.
Comfortable flowers bear interest according to the actual borrowing days. Daily interest = the remaining outstanding principal multiplied by the expected annualized interest rate. Anyihua adopts a daily fixed expected annualized interest rate, and the current daily expected annualized interest rate of users is 0.0483%. The expected annualized interest rate of loans is fixed and is not affected by the adjustment of the benchmark expected annualized interest rate of the People's Bank of China.
Interest will be calculated from the date when the loan is successfully issued (that is, the loan is transferred from instant consumer finance). However, the interest of the day is not calculated when repayment is made at any time.
The nature of Anyihua is a credit product launched by financial companies, which is essentially a kind of online loan.
Failure to repay the loan within one year is a breach of contract, which may have certain influence on the breach of contract:
1. may be involved in litigation. Because, since you don't repay the loan on time, the other party may choose to sue for repayment, and then you may have to answer the lawsuit to solve the related matters.
2. It may affect your credit information.
20 18 the information of the first batch of borrowers of peer-to-peer lending platforms maliciously escaping debts was included in the central bank's credit information system. Online loan records will also be included in the central bank's credit information system, which will also affect credit information. Although applying for flowers, loans and IOUs mainly refers to your sesame credit score and third-party credit score. Only when the credit score reaches the standard can you apply. However, once overdue, it may be reported to the central bank's credit information system, such as Alipay. Therefore, it is recommended that you don't borrow money easily on the peer-to-peer lending platform, or have already borrowed money. You should pay off the loan in time, don't delay, otherwise it will affect your credit.