If it is a formal platform, it is divided into average capital and equal principal and interest. The average capital is cheaper. The daily interest rate of equal principal and interest is about seven ten thousandths. Don't touch those black online loans. It's more reliable to go to Alipay at most, and nothing else will do.

Second, how to calculate the online loan interest rate?

Depending on the platform, you will encounter some pits. Alipay has the lowest interest rate, followed by micro-loans and banks, with high and reliable interest rates, Gitzo, Renren and JD.COM IOUs. If Gitzo borrows 3000 yuan at 12 interest rate of 800, the rest will be cheated. Small online loans are best not to be lent out. I recommend it, micro-credit and banking channels.

Third, how to calculate the interest on online loans?

The latest benchmark interest rates for bank loans are: 4.35% within one year; 4.75% for one to five years; The interest rate for loans over five years is 4.9%. The annual interest rate of bank loans is low, but the threshold is high, so many people will lend on the online lending platform now, but this lending platform usually gives the daily interest rate or monthly interest rate. The calculation formula of annual interest rate is: monthly interest rate × 12 months = daily interest rate ×360 days (calculated according to 360 days per year) = annual interest rate.

Calculated at the daily interest rate of 0.05%, the annualized interest rate =0.05%×360 days = 18%. The loan is 10000 yuan, and the annual interest rate is 18%× 10000 yuan = 1800 yuan. It is worth noting that most lending platforms give annual interest rates ranging from 14% to 18%. If the annualized interest rate calculated by the online lending platform is not within this range, or even exceeds the national statutory 24% or 36%, it is necessary to pay attention. Yes, the interest to be repaid in the end is very high, so even if you are short of money, you can't borrow money on this online lending platform.

1, it is safer to borrow in the following places, first of all, banks: the most common loan channels can be divided into central banks, policy banks, commercial banks, investment banks, the World Bank and so on. Among them, commercial banks have more contacts, such as Industrial and Commercial Bank, Agricultural Bank, China Bank, China Construction Bank, Bank of Communications and China Merchants Bank. And some private banks, such as Weizhong Bank and E-commerce Bank. In every city,

2. Consumer finance companies: companies established with the approval of the CBRC. Their borrowing funds are their own funds and do not absorb user deposits. This is different from a bank. They are non-bank financial institutions, and their loans are relatively formal and safe. But the interest rate is higher and better than that of banks. The next payment is fast and the threshold is low. Regular licensees: Now the loan industry has been standardized a lot. You must hold a general loan license to engage in loan business. Therefore, before applying for a loan, you must carefully check whether you have relevant qualifications to ensure your own safety.

In addition to the above, there are some places where loans can be obtained. Private lending company: As long as it is a formal company with a business license and engaged in credit business, the loan process and expenses are in line with state regulations and protected by law. Compared with banks and financial institutions, the threshold of private lending companies is too low. Users with average personal qualifications can be considered comprehensively.

Fourth, how to calculate the online loan interest rate?

The annual interest rate (%) is nearly 43.2, which is definitely beyond the range stipulated by the state. This country does not recognize it.