I don't know if I understand correctly. The loan is 260,000 yuan with a fixed term of 30 years, and the monthly repayment is 1, 6 10 yuan, indicating that the annual interest rate is 6.30395%. Your question is: according to the monthly repayment 16 10 yuan, the service life is 20 years, and the annual interest rate is 6.30395%. How much is the total loan less? Right? If the repayment is made by matching the principal and interest, the 240-month loan will start from 20 19323.5 yuan, and the total interest of the loan will be adjusted to 167076.85 yuan by March 2032 according to the information provided by you. From April 20 12, the annual interest rate is 6.30395%, and by March 2032, the monthly payment will be 16 10 yuan; During this period, the monthly payment totaled 386,400.35 yuan, and all the loans were paid off. So the principal should be repaid = 260,000 -25 yuan. Am I right?
2. Is the interest rate of CCB's 50,000 yuan personal loan high?
50,000 loans are unsecured, and the interest is relatively higher than that of mortgage loans. The interest rate is about five per year, and the annual interest rate is 2500 yuan.
3. I want to borrow 50,000 yuan from China Construction Bank. Please explain in detail within two years. ...
At present, there is a consumer loan with interest of 7.2, and the longest period is 200,000 years.
Four, CCB loan 50 thousand one-year interest
Bank loan interest rate can be divided into short-term loan interest rate, medium-and long-term loan interest rate and provident fund loan interest rate according to the loan interest rate of China People's Bank in 2022. Specific analysis: 1. Short-term loan: the loan interest rate for six months (inclusive) is 4.35%; The loan interest rate for six months to one year (including 1 year) is 4.35%. 2. Medium and long-term loans: the loan interest rate for one year to three years (including three years) is 4.75%; The loan interest rate for three to five years (including five years) is 4.75%; The loan interest rate for more than five years is 4.9%. 3. 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 actual execution interest rate may fluctuate, subject to the actual transaction interest rate. Application conditions The borrower's requirements are 1. Natural persons (Hong Kong, Macao and Taiwan, Chinese mainland and foreigners are also allowed) aged 18-60 2. A stable job and a stable income. The ability to repay the loan principal and interest listed in Schedule 3. The actual age of the borrower and the loan application period shall not exceed 70 years old. The information that the borrower should provide is 1. You need both husband and wife's ID cards, household registration book/temporary residence permit and household registration book. 2. Marriage certificate/divorce certificate or judgment/single certificate. 3. proof of income (format stipulated by the bank) 4. Copy of business license of the company (with official seal) 5. Credit certificate: including academic qualifications. 6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements. The plan of spending money in life will never keep up with changes, and there will always be times when money is not useful or urgently needed. Du Xiaoman Finance, a subsidiary of Baidu Finance, is a licensed company in industrial and commercial registration, Chongqing, and cooperates with licensed financial institutions such as regular banks and consumer finance companies to provide services. Those who have money to spend have a credit line of 500,000-200,000, with a minimum daily interest rate of 0.02% and an annualized interest rate of 7.2%. The actual interest rate is determined by the system according to the comprehensive situation of users. The borrower must be at least 65,438+08 years old but not over 55 years old. The loan information only needs the second-generation ID card and bank card, and students are not allowed to apply for loans.