What is the interest rate of 200,000 5% for car loan for three years? The loan is 200,000 and the interest rate is 5%. One month in three years is 1000 yuan, so one year is 1200 yuan, and three years is 36,000 yuan. Calculation formula: monthly repayment amount = (monthly interest rate of loan principal (1 monthly interest rate) repayment months) /(( 1 monthly interest rate) repayment months-1) The interest rate is 5%, that is, the monthly interest rate is 0.5% and the repayment months =15/kloc.

Interest is the use fee of money in a certain period of time, and it refers to the reward that money holders (creditors) get from borrowers (debtors) for lending money or monetary capital. Including deposit interest, loan interest and interest generated by various bonds. Under the capitalist system, the source of interest is the surplus value created by hired workers. The essence of interest is a special transformation form of surplus value and a part of profit.

How much is the monthly car loan of 200 thousand?

If the price of the car itself is around 200 thousand, it depends on how much you pay down. The following totals 200,000 yuan for your reference. The interest rate of each bank is different, and the repayment method is different. The difference between the following calculations should not be too big. Take Minsheng Bank as an example: pay off in three years (the benchmark interest rate is 6.40%); The repayment interest of equal principal and interest is 20,345.25 yuan, and the repayment interest of equal principal is 65,438+09,733.33 yuan, which will be repaid in five years (the benchmark interest rate is 6.65%); If average capital's repayment interest is 35,445.35 yuan; If the repayment interest of average capital is 33,804.17 yuan.

What is the car loan interest rate of China Construction Bank?

First of all, answer directly.

To calculate the loan interest of CCB, we need to know the loan amount, loan interest rate, loan term and the repayment method chosen.

Second, the specific analysis

1, loan amount: This depends on the vehicle price and the down payment ratio.

The minimum down payment ratio of CCB's personal car loan is 20%, and the remaining 80% of the car price can be loaned; For commercial vehicle loans of CCB, the minimum down payment ratio for general commercial vehicles is 30%, and that for commercial vehicle loans is 60%.

2. Loan term: The loan term of CCB's self-use vehicles is different from that of commercial vehicles, with the longest loan term of 5 years for self-use vehicles and only 3 years for commercial vehicles.

3. Loan interest rate: the loan term is different, and the interest rate is different. Among them, the loan within 65,438+0 years is 4.35%, the loan in 65,438+05 years is 4.75%, and the loan over 5 years is 4.9%.

4. Repayment method: The borrower can choose to repay the principal and interest in the same amount or the principal in the same amount.

You can quickly query in Beijian, get a big data report, find out your overdue records, and classify your online loans, formal and informal, with and without credit information. If you want to pay back the money but don't have enough funds, then negotiate with the online lending platform, give priority to formal credit reporting, and minimize the impact on yourself.

3. What is the 3-year interest on general car loans?

Car loan is actually that the borrower provides the bank with information such as bank flow, personal credit information and personal identity information, and then applies for a loan to buy a car.

Each borrower's personal comprehensive qualification is different, the loan interest rate that can be applied for will be different, and the interest to be paid every month will naturally be different.

Of course, each bank's loan policy will be different. Let's take CCB's car loan as an example to calculate the interest that needs to be paid when applying for a three-year car loan.

According to the data of CCB official website, if you apply for a short-term loan in CCB, that is, within one year (including one year), the loan interest rate is 4.35%.

Apply for medium and long-term loans in CCB, and the loan interest rate is 4.75% for 3 to 5 years (including 5 years).

Most people go to CCB to apply for a car loan, and they can only apply for a repayment period of three years at the longest.

In other words, if users go to CCB to apply for a car loan, the loan interest rate is about 4.35%-4.75%.

Assuming that the amount of car loan applied by the borrower is 200,000 yuan, according to the loan interest rate, the interest that the borrower needs to repay every year is between 8,700 and 9,500 yuan.

The total interest to be paid in three years is between 26100-28,500 yuan.

Of course, the above is only calculated according to the minimum loan interest rate of CCB.

In fact, not many users can apply for the lowest loan interest rate, and borrowers still need to calculate interest according to the actual loan interest rate.

What is the interest for 200,000 years?

The interest for three years is about 16000 yuan. You just need to multiply the interest of 200,000 yuan by the annualized interest of 3.35%, and it will take three years. 200,000 three-year fixed term, with the interest rate of 3.35, and the interest is: 200,000 _ 3.35% _ 3 = 2,065,438+0,000 yuan. We are all used to saving money for a fixed period of time, with stable income and safe funds. However, the income is a little low, and it is said that interest income can't offset inflation.

The annual interest rate refers to the deposit interest rate for one year. The so-called interest rate is the abbreviation of "interest rate", which refers to the ratio of interest amount to deposit principal or loan principal in a certain period of time. Usually divided into annual interest rate, monthly interest rate and daily interest rate. The annual interest rate is expressed as a percentage of the principal, the monthly interest rate as a percentage, and the daily interest rate as a percentage.

When the economic development is in the growth stage, the investment opportunities of banks increase, the demand in loanable funds increases and the interest rate rises; On the other hand, when the economic development is depressed and the society is in a depression period, the willingness of banks to invest decreases, the demand for loanable funds naturally decreases, and the market interest rate is generally low.

Interest on bank deposits will fluctuate constantly;

In order to maintain the competition order in the deposit market and avoid disorderly competition, after fully soliciting and absorbing the opinions of the core members, the interest rate self-discipline mechanism decided to change the determination method of the self-discipline upper limit of the deposit interest rate to add some points on the basis of the deposit benchmark interest rate. Optimizing the self-discipline upper limit of deposit interest rate is the self-discipline behavior of financial institutions, and also reflects the improvement of independent pricing ability of financial institutions. All financial institutions can still negotiate with depositors to determine the actual implementation interest rate of deposits within the self-regulatory upper limit, and the actual implementation interest rate of deposits may not necessarily change greatly.

Different situations of bank deposit interest:

Take the benchmark deposit interest rate implemented by the People's Bank of China as an example: three-month deposit period:1.1%; Six-month shelf life:1.3%; One-year shelf life:1.5%; Biennial: 2.1%; Three-year shelf life: 2.75%. The deposit interest rates of other banks fluctuate on this benchmark. Bank of China benchmark interest rate: three-month deposit period:1.350%; Half-year shelf life:1.550%; One-year shelf life:1.750%; Two-year shelf life: 2.250%; Three-year shelf life: 2.750%; Five-year shelf life: 2.750%.

Finally, state-owned banks and large joint-stock banks have no pressure to save money, so the interest rate of time deposits is similar to the benchmark interest rate of the central bank, and private banks will have higher interest rates in order to save money.

How much is the interest on the car mortgage loan?

To calculate the interest of automobile mortgage, we need to know the interest rate of automobile mortgage, loan term, loan amount and repayment method.

1, car mortgage interest rate

Looking for a bank mortgage loan, the lowest interest rate is not lower than LPR in the same period, and it is priced in the form of LPR plus points. The annualized interest rate generally starts from 6%.

Looking for a loan from an auto financing company, the interest rate is usually slightly higher than the bank's automobile mortgage interest rate, and the annualized interest rate is generally 10%-24%.

2. Car mortgage term

Generally speaking, the longest term of automobile mortgage is no more than 5 years, and if it is used car mortgage, the longest term of loan is no more than 3 years.

3. automobile mortgage quota

Generally speaking, the maximum amount of automobile mortgage does not exceed 80% of the assessed value of the automobile. If it is specific to the amount, it is like a car owner loan, with a maximum loan of 500,000.

4. automobile mortgage's repayment method

Generally, the repayment of principal and interest is equal, that is, the same amount is paid every month, but the principal and interest are different, and the repayment of principal in the first month is the least, increasing month by month; The interest repayment in the first month is the most, and it decreases month by month.

5. Specific calculation of automobile mortgage interest.

Assuming that the principal of automobile mortgage is RMB 200,000.00 Yuan, which will be repaid in three years (36 installments), and the repayment method of equal principal and interest is adopted, then:

(1) If the annualized interest rate is 6%, the monthly payment will be 6,084.39 yuan, and the car mortgage interest will be10.9 million yuan.

(2) If the annualized interest rate is 10%, the monthly payment is 6453.44 yuan, and the car mortgage interest is 32300 yuan.

(3) If the annualized interest rate is 24%, the monthly payment is 7846.57 yuan, and the car mortgage interest is 82500 yuan.

Mercedes-Benz has a loan of 200,000 yuan, which will be repaid every month for three years 1500. How much will it be in three years?

If you borrow 200,000 yuan and pay 1500 every month for three years and 1.200 after three years, your interest rate will change according to the amount you pay back. After three years, the interest rate of your loan will become 1400 yuan per month.

This is the end of the introduction of car loan interest in 200003 and car loan interest in 200003. I wonder if you found the information you need from it?