Payment rate. For example, the insurance premium rate refers to the ratio of the amount that the insured pays to the insurer and the amount that the insurer promises to compensate.
The management fee of the loan company is charged on a monthly basis, and the interest of the first loan principal is charged at the monthly management interest rate.
For example, a credit loan product of CITIC Bank charges a management fee of 0.85% per month and repays the principal in installments. The monthly management fee is calculated by multiplying the total loan amount by the interest rate. Let's make a concrete calculation. Assume that the loan amount is 654.38 million+and the term is 12. The cost of this product is as follows: management fee =100000.85%12 =10200 yuan.
2. What is the bank interest rate for commercial loans? And how about the insurance premium?
kind
project
Annual interest rate%
I. Short-term loans
Six months (inclusive) 5.22
Six months to one year (inclusive) 5.58
Second, medium and long-term loans
One to three years (inclusive) 5.76
Three to five years (inclusive) 5.85
More than five years 6. 12
Third, add some points to the rediscount rate, and there is no limit to the floating range.
Four, urban individual account housing loans, according to the commercial loan interest rate, the upper limit is released, and the lower limit is 0.9 times the benchmark interest rate of the corresponding term and grade loans.
Verb (abbreviation of verb) Loan from welfare factory of ethnic department 4. 14
Intransitive verbs provide economic loans for the development of the poor and young people.
Seven, national trade and national commodity production loans 2.70
Eight, poverty alleviation discount loans (including pastoral areas) 3.00
There are generally four ways to pay insurance premiums: once, annually, quarterly and monthly.
Insurance rate refers to the proportion of insurance premium calculated according to the insurance amount. He considers it according to the type of the subject matter insured, the possibility of danger, the quality of the storage place, the degree of possible loss and the insurance period. The calculation unit of insurance premium rate is generally per thousand yuan, that is, how much insurance premium should be paid per thousand yuan. Usually expressed in ‰. Insurance rate consists of pure rate and additional rate. The sum of these two ratios is called the total ratio. That is, the rate at which the insurer collects insurance premiums from the insured.
3. How to calculate the insurance rate of commercial housing loan? Is there any formula that is still fixed? Urgent?
Total insurance premium = insurance amount × annual insurance rate × payment coefficient, where: the insurance amount is the total purchase price; The basic insurance rate is 0.8‰, and the earthquake additional insurance rate is 0.2 ‰; The contribution coefficient is determined according to different years. Actually, it's the premium (yuan)110.0215.0320.1425.1530.2635.4845.5950.6/kloc-0. 896.3 19 10 1.320 106.5438+06538+06538.
4. How do you calculate the insurance rate of commercial housing loans? What's there ...
The answer is as follows:
1. The insurance premium rate of commercial mortgage loans is generally 0.3 ‰-0.5 ‰ per 10,000 yuan (local regulations are slightly different).
2. Calculation formula of loan insurance premium (when the rate is 0.4‰): the loan amount is 0.4‰ and the loan term is 0.4 ‰.
For example, if Mr. Wang borrows 300,000 yuan for 20 years, then: 3,000,000.4 ‰ 20 = 2,400 yuan.