ICBC can't buy a car by stages for three years, and it can't be used for five years. The real reason is that the running water on your bank card can't arrive, and the banking system will judge that you have no repayment ability.
202 1 What is the loan interest rate of Dalian Industrial and Commercial Bank for more than 5 years?
ICBC loan interest rate:
1. Within one year (including one year), the interest rate is 4.35%. 2. The loan term is one to five years (including five years) and the interest rate is 4.75%. 3. If the loan term exceeds five years, the interest rate is 4.90%. Interest rate of provident fund loans.
What is the five-year interest rate of ICBC?
Answer: RMB deposit interest rate table date: 20 12-07-06 project annual interest rate% 1. Deposit of urban and rural residents and units (1) current 0.35 (2) fixed term 1. Three months, 2.85 half a year, 3.05 one year, 3.25 two years, 3.75 three years, 4.25 five years, 4.752.0. Deposit principal plus interest for one year 2.85 for three years 2.9 for five years 33. Within one year, you will get a 60% discount on lump-sum deposit and withdrawal at the same interest rate, and the agreed deposit will be 1. 15 3. Notice deposit is 0.8 for one day and 7 days 1.35.
What is the interest rate of ICBC loan now?
According to the notice of the central bank:
Central bank loan benchmark interest rate:
(1) Short-term loan: within one year (including one year), and the adjusted interest rate is 4.35.
(2) Medium and long-term loans: the adjusted interest rate is 4.75 for one to five years (including five years); The adjusted interest rate for more than five years is 4.90.
(3) Personal housing provident fund loan: the adjusted interest rate is 2.75 for less than five years (including five years); The adjusted interest rate for more than five years is 3.25.
ICBC, the interest rate of short-term loans (within six months, including six months) is 4.35%; The loan interest rate for half a year to one year (including one year) is 4.35%. The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%.
If it is a provident fund loan, the loan interest rate for less than five years (including five years) is 2.75%; The loan interest rate for more than five years is 3.25%.
The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when they issue loans. It is mainly divided into three categories: the loan interest rate of the central bank to commercial banks; The loan interest rate of commercial banks to customers; Interbank lending rate
The decisive factors of bank loan interest are:
1, bank cost. Any economic activity needs cost-benefit comparison. There are two types of bank costs: borrowing costs-prepaid interest on borrowed funds; Additional cost-the cost of normal business.
2. Average profit rate. Interest is the subdivision of profit, which must be less than the profit rate, and the average profit rate is the highest limit of interest.
What is the five-year interest of ICBC loan 1.5 million?
ICBC loan/kloc-0.5 million yuan, five-year interest/kloc-0.868/kloc-0.2.50 yuan, mortgage/kloc-0.5 million yuan, five years. Assuming that the repayment method is equal principal and interest, and the annual interest rate of the loan is 4.90%, the monthly repayment is 28,238.18 yuan, and the total interest is 194.
1.5 million yuan mortgage, 5 years. If the repayment method is average capital and the annual interest rate of the loan is 4.90%, the repayment in the first month is 365,438+0,654,38+025.00 yuan, with a monthly decrease of 65,438+002.08 yuan, and the total interest is 65,438+086,865,438+02.50 yuan.
ICBC has a loan of 470,000 yuan. What is the interest for five years?
65,438+0,470,000 yuan is divided into five years. If calculated according to the annual loan interest rate LPR of 4.6%, the total interest is 54,950.83 yuan, and the total repayment is 524,950.83 yuan. Monthly payments are as follows:
1:9635.00 yuan, 2:9604.97 yuan, 3:9574.94 yuan, 4:9544.92 yuan, 5:95 14.89 yuan.
ICBC loans for five years, with interest deducted first.
Hello, ICBC's five-year loan refers to the loan you applied for in ICBC, with a term of five years. During this five-year period, you need to repay on time every month. The monthly repayment amount includes interest and principal, in which the interest part is deducted first and the principal part is finally repaid. Repay on time within 5 years, without any late fees.
The loan of ICBC is 654.38 million yuan, which will be repaid in five years. How much is it every month?
The loan of ICBC is 654.38 million yuan, which will be repaid in five years. How much is it every month?
To calculate the monthly loan payment, we must know the loan interest rate and repayment method, but it is not enough to know only the loan amount and loan life. You can calculate your monthly payment according to the following repayment formula.
I. Average capital
Calculation formula of average capital loan:
Monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate.
2. Equal principal and interest
It is to repay the same amount of loans (including principal and interest) every month during the repayment period.
Monthly repayment amount = [loan principal × monthly interest rate ×( 1 interest rate )× repayment months ]=[( 1 interest rate )× repayment months]
20 14 ICBC loan180,000 15 how much is the monthly repayment?
According to the benchmark interest rate of 6.55%, monthly payment 1.572.95, and interest * * *1.036,5438+0.000.
Please pay the loan of 350,000 yuan on 15. How much do I have to pay back every month?
Is it equal principal and interest? It depends on the loan interest rate. This is a constantly changing situation.
How much is the monthly repayment of ICBC loan 15?
Loans177,000 yuan can be divided into: provident fund loans of 65,200 yuan (3,260 yuan x20 times) and commercial loans1/800 yuan (177,000 yuan-650,002,000 yuan); The loan term is 15 years; The interest rate of provident fund loans is 3.87%, and the interest rate of commercial loans is 5.05% (5.94% is 15% off). The financial calculation is as follows:
1) provident fund commercial portfolio loan:
The monthly repayment amount of provident fund loans is 478.04 yuan, and the monthly repayment amount of commercial loans is 887.02 yuan; The total monthly payment is 1, 365.06 yuan (478.04 yuan 887.02 yuan).
The total interest paid by portfolio loan is 68,765,438+00.80 yuan (65,438+0,365.06 yuan x 65,438+02 months x 65,438+05-65,438+077,000 yuan).
2) Commercial loans:
The pure commercial loan is 65,438+077,000 yuan, the monthly payment is 65,438+0,404.32 yuan, and the total interest to be paid is 75,777.60 yuan (65,438+0,402.32 yuan x 65,438+02 months x 65,438+05.
Conclusion: Compared with the simple commercial loan, the provident fund commercial portfolio loan can save 7066.80 yuan (75777.60-687 10.80 yuan).
The above is for your reference.
Please borrow 20,000 yuan for 24 months. How much do I have to pay back every month?
According to the regulations, as long as the owner does not have any violation records, accidents and claims within one year, when the owner continues to pay premiums in the second year, he will get the reduction of commercial insurance and compulsory insurance premiums, and will also be listed as a quality customer by the insurance company and enjoy auto insurance concessions. In the second year, we should make a reasonable choice in the choice of purchase methods and insurance types, which should not only be fully insured, but also not waste money. Choosing the most suitable insurance combination can ensure that the future driving life is the real interest appeal of the owner.
20 16 borrows 340,000 yuan from ICBC every month. How much is it for 20 years?
You can log in to official website, Agricultural Bank of China, and click Loan in "Personal Service". After clicking, there is a loan calculator on the left, which can be used for trial calculation. Website (:abchina. //personal service/calculator/dkjsq/20151/t 20151126 _ 807899.htm).
Loan 1 10,000, how much is the monthly repayment after five years?
At present, the annual interest rate of five-year loans announced by the People's Bank of China is 4.75%. According to the benchmark interest rate, the repayment method is "equal principal and interest repayment" under the condition that the interest rate remains unchanged. The total interest is 1254 1.47 yuan, and the monthly repayment amount is 1875.69 yuan.
If you are going to apply for a loan at China Merchants Bank, the "loan interest rate" that you can actually apply for needs to be determined by combining the comprehensive pricing of the business type, credit status and guarantee method you apply for, and only after being approved by the handling outlets.
ICBC's home improvement loan is 6.5438+0.5 million yuan, and it will be repaid every month for three years.
The annual interest rate of the loan is 1 1.43%, the monthly interest rate is 0.003 1, and the monthly repayment is about 463 1 yuan. We can also help you apply here, only for houses in Shenzhen.
How much is the monthly loan to be repaid in 400,000 years?
To apply for a loan from China Merchants Bank, you need to know the loan principal, loan term, repayment method and annual interest rate, and calculate the loan interest or monthly repayment amount. If the above information is confirmed, you can try to calculate through our loan calculator, log in to the lower right of China Merchants Bank official website and find the "Financial Calculator"-"Personal Loan Calculator" to calculate.
So much for the five-year introduction of ICBC loan.