If the loan principal is 200,000 yuan and the term is 5 years, the benchmark annual interest rate of the People's Bank of China will be 4.75% in 3-5 years (with equal principal and interest repayment method, the monthly payment is 37,565,438+0.38, and the total repayment amount is 25,082.94).

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At present, it has become a modern urbanite to enjoy, re-consume and accelerate personal loans by applying for personal loans in advance, which can alleviate the pressure brought by various aspects. In recent years, by continuously expanding personal loan business, banks have launched a series of comprehensive and fast personal loans, including personal study abroad loans, personal travel loans, personal car loans and so on. Then, all kinds of personal loan business.

Generally speaking, the application conditions are:

1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct.

3. Have a good credit record and willingness to repay, and no bad credit record;

4. Being able to provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;

6. Banking regulations

Generally speaking, for personal comprehensive consumer loans, personal credit loans and other loan types, the credit accumulation of banks applying for loans is high or low to issue loans. At this time, when applying for a loan, try to submit some materials that can increase your credit. For example, the higher your education, the greater the loan amount.

General principles of loans, in order to protect the overall interests of borrowers and borrowers in the legitimate use of loans. In order to promote the sustainable development of social economy, these General Rules are formulated in accordance with the Law of the People's Republic of China on the People's Bank of China and the Law of People's Republic of China (PRC) Commercial Bank, and shall come into force on August 20 10/996+0.

2. What is the interest of bank loan for 200,000 years?

If you borrow from China Merchants Bank, the specific monthly payment depends on your loan execution interest rate and repayment method. You can borrow money from China Merchants Bank official website or Mobile Banking for trial calculation, and the trial results are for reference only.

Mobile banking: log in to mobile banking and click My-All-Assistant-Financial Calculator-Loan Calculator;

China Merchants Bank Home Page: Financial Tools-Personal Loan Calculator is in the middle of the home page.

Enter the loan amount, annual interest rate, loan term, repayment method and other information, and try to calculate the monthly loan amount and interest.