Daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰) ÷ 30; Monthly interest rate (‰) = annual interest rate (%) ÷12; Current month loan interest = the monthly interest rate of the remaining loan principal last month. Principal paid in the current month = repayment amount in the current month-loan interest in the current month; Last month's remaining principal = total loan-accumulated repaid principal. : Microfinance 1. The review of loan risk often begins at the loan review stage. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links. (1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. (2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk. (3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place. Second, the legal content of the pre-loan investigation (1) examines the legal status of the borrower regarding its legal establishment and continued effective existence. If it is an enterprise, it shall examine whether the borrower is established according to law, whether it has the qualification and qualification to engage in relevant business, and check the business license and qualification certificate, and pay attention to whether the relevant certificate has passed the annual inspection or relevant verification. (2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment. (3) Regarding the borrower's loan conditions, whether the borrower has opened basic deposit account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender; (4) Regarding the guarantee, if it is a guarantee, the qualification, reputation and performance ability of the guarantor shall be investigated.

Second, how to calculate the repayment principal?

You need to determine your repayment ability according to your income: the repayment interest of average capital is less than the equal principal and interest, but the monthly repayment amount in the previous period is much higher than the equal principal and interest.

1, the calculation formula of matching principal and interest loan: monthly repayment amount (referring to monthly principal and interest) = loan principal x (referring to monthly interest rate ×[( 1 interest rate) repayment months ]/[( 1 interest rate) repayment months ]- 1.

2. Calculation formula of average capital loan: monthly repayment amount (referred to as monthly principal and interest) = (loan principal/repayment months) (principal-accumulated amount of repaid principal) x monthly interest rate. In this way, the repayment amount will gradually decrease in the later period of repayment.

Three, kneeling for loan operation calculation formula

Monthly payment = loan amount integer × corresponding monthly payment coefficient (-30% or -25% or-10%).

For example, the payment for goods is 6,543,800+0,000, calculated according to 20 years;

100× 68.45438+0 = 6845.438+0 yuan, the same every month.

Calculation formula of decreasing monthly payment (average fund) (here, only the monthly interest rate of 15% is calculated).

Monthly payment = loan amount ÷ loan period [loan amount-(loan amount ÷ loan period) × repayment period ]× monthly interest rate]

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4. Do you know the two calculation methods of prepayment?

Buying a house has become a major event in life. Many people choose loans in order to buy a house in advance, but we are afraid that we can't repay it in advance after the loan. Finally, I will tell you what to pay attention to when repaying the loan in advance.

Calculation formula for prepayment of loan

According to the calculation formula of general mortgage repayment method, it can be divided into two ways: equal principal and interest and average principal.

In the calculation formula of equal principal and interest, the interest of the remaining principal is charged first, and then the remaining principal of the principal is reduced. The proportion of the principal in the monthly payment increases due to the increase, but the total monthly payment remains unchanged.

The calculation formula of average capital repayment method is as follows: monthly repayment amount = interest on monthly repayment amount of principal; Monthly repayment principal = total loan amount/loan months;

Monthly loan interest rate (monthly loan interest rate = annual interest rate/120); The loan principal balance repays the principal.

However, for the matching principal and interest repayment method, the monthly repayment amount = loan principal × monthly interest rate ×( 1 interest rate )× repayment months /[( 1 interest rate )× repayment months-1], and the total repayment amount = repayment amount per installment.

What should I pay attention to when repaying the loan in advance?

Make an appointment with the bank in advance

Generally, the bank will require the lender to submit a written or telephone application 15 working days in advance, and it will take several months for the bank to review the application for early repayment. Secondly, the borrower and the loan contract go through the examination and approval procedures in the bank and consult the bank.

The advance payment is

At present, for most small and medium-sized joint-stock banks, there are few additional penalty interests for buyers who want to repay their loans in advance, and they are required to pay liquidated damages. However, some large state-owned banks pay liquidated damages.

Don't forget to release the mortgage.

If you pay off the loan, don't forget to cancel the mortgage. The borrower shall apply for understanding mortgage with the property ownership certificate, settlement certificate and other rights certificates of the house.

What is not suitable for prepayment:

Lenders who enjoy a 30% discount on mortgage interest rates.

Enjoy a 30% discount on the mortgage interest rate and repay in advance, because the interest difference between the first suite and the second suite is huge. If you choose to repay the loan in advance, unless you borrow money to buy a house, you will be judged as a second suite or even a third suite, and the interest rate is 1. 1 times the basic interest rate, which is not worth the loss.

Buyers whose repayment period of equal principal has passed 1/3.

Since the average capital divides the total loan amount into equal parts, the repayment interest is calculated according to the remaining principal. That is, the less the remaining principal, the less interest will be generated. In this case, when the repayment period exceeds 1/3, the borrower has already paid nearly half of the interest, and the later repayment is mostly the principal, and the interest level has little effect on the repayment amount.