1. The official customer service of Meituan said that the minimum daily interest rate of Meituan commercial loans is 0.03%. However, due to the different comprehensive situation of each applicant, the final approved interest rate is mainly displayed on the page. Suppose the daily interest rate is 0.03%, then the monthly interest rate is 0.03%*30=0.9%, and the converted annualized interest rate is 0.9* 12= 10.8%.
2. If the user borrows RMB 6.5438+10,000 from Meituan Commercial Loan and uses it for one year, the total interest charged at one time is RMB 654.38+ 10,000 * 654.38+ 00.8% = RMB 654.38+00800. According to the repayment method of equal principal and interest, the total interest to be paid is 5946.07 yuan. If the repayment method of average capital is adopted, it needs to be paid.
3. As for whether this interest rate is too high, you can refer to the latest value of the upper limit of private interest rate protection 15.4%, which is still within the "red line" of 0.03%. Of course, you'd better calculate it according to your final approval interest rate. After all, not every user can apply for a minimum daily interest rate of 0.03%. In addition, the repayment methods of Meituan commercial loans are basically equal principal and interest, and after system evaluation, some users will be given the repayment method of interest first and capital later.
Fourth, because behind the US Mission, there is naturally nothing to say about reliability. It is an invitation merchant loan of Meituan merchants. At present, the maximum application amount is 1 ten thousand, and the service period can be divided into 1-36 periods. The age range of open application is between 22 and 55. The application requirement is to have a license registration 1 year or more, and then provide legal person identity information authentication. It is reported that after submitting the report, some will call me back, and some will not call me back to the next paragraph. Therefore, in order not to affect the approval results, if you see strange calls, try to answer them. In terms of credit reporting, the mouth belongs to the mouth of credit reporting. Don't give your head to a brother who is not very qualified. As for the interest, according to the official propaganda of Meituan, the daily interest rate of Meituan's commercial loan is 3.5 ‰, but the interest is mainly determined by the loan amount and the qualification of the applicant. The better the borrower's qualification, the lower the interest rate. Generally speaking, whether the interest rate is high or not can be judged according to the results of your own interest rate application and the latest upper limit of interest rate protection.