Take the time deposit passbook to the bank for a mortgage loan. This business is called a deposit certificate pledge loan
Use a deposit certificate of 100,000 yuan and go to the bank where your deposit certificate is to handle it directly. It is a low-risk business. 1 -It can be done in 2 days.
Generally speaking, the term of this kind of loan will not be less than half a year, and the interest rate is generally benchmark. It may rise a little, but it will not exceed 5%.
The current benchmark interest rate for half-year loans is 5.6% per annum, and an increase of 5% is 5.88% per annum.
The one-year benchmark interest rate is 6% per annum, and an increase of 5% is 6.3.
The loan amount will be discounted, usually 90%-95% of the deposit certificate. The basis for this discount is that certificate of deposit + interest on certificate of deposit >= loan + loan interest.
As for the minimum number of days, you don’t have to worry about this. You can repay the loan in advance, even if the loan lasts for one day.
The details are as follows:
For example: the loan period is 5 days, the amount is 90,000 (10% off on the deposit certificate), 100,000 deposit certificates are pledged, the interest rate is the base interest rate, and the term is half a year .
The semi-annual base interest rate is 5.6%, and the daily interest is 5.6%/360*90000=about 14 yuan
For a 5-day loan, 14*5=70 yuan
< p>If you want to repay within 5 days, just bring 90,0070 and repay directly.