What is the annual interest rate of 1. Bank loan 100000?

To calculate the loan interest, besides knowing that the loan principal is 6,543,800 yuan and the loan term is 654.38+ 0 years, we also need to know the loan interest rate and repayment method.

Second, the loan interest rate.

At present, the benchmark loan interest rate of 1 year is 3.65%. Suppose the bank's loan interest rate rises by 55 basis points on the basis of LPR, and the loan interest rate = 3.65% (550.0005438+0) = 4.2%.

Third, the repayment method

When the loan term is 65,438+0 years, the common repayment methods are average capital, equal principal and interest, and interest before principal. The calculation formulas of the three methods are as follows.

1, average capital: interest =( 12 1) monthly interest rate of loan principal /2.

2. Matching principal and interest: interest = 12[ monthly interest rate of loan principal (1 interest rate) 12]⊙[( 1 interest rate)1]-loan principal.

3. Interest before principal: interest = annual interest rate of loan principal.

Fourth, the specific calculation

Number of loan repayment periods =112 =12; The monthly loan interest rate =4.2%/ 12=0.35%.

1, and the average capital interest = (121)1000000.35%/2 = 2275 yuan;

2. Equal principal and interest =12 [100000.35% (10.35%)12]; [( 10.35%) 12-65438。

3. Interest before principal = 1000004.2%=4200 yuan.

Verb (abbreviation of verb) calculation and analysis

As can be seen from the calculation results, when the loan interest rate is determined, after the bank loan of 65,438+10,000 yuan is repaid first, the interest generated by this repayment method is the highest, and the interest generated by the repayment method of equal principal and interest and average capital is less, so when we choose the repayment method, we can give priority to the repayment method of average capital, so that the interest generated by the loan is the least; Although only the current interest is paid every month after interest, the total interest generated by the loan is close to twice that of the other two repayment methods, which is not cost-effective.

2. How much interest is required for a loan of 1,000 yuan1000,000 yuan?

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 it through our loan calculator. Log in to the lower right of China Merchants Bank official website and find the "Financial Calculator"-"Personal Loan Calculator" for calculation.

3. What is the annual interest of Alipay loan of 654.38 million yuan?

Alipay loans can be up to 654.38+million, such as lending treasure and online business loans, and the daily interest rate is determined according to the comprehensive situation of users.

Calculated by the lowest daily interest rate of 0.02%, the total interest of the loan of 654.38+10,000 yuan for one day is 1000000.02%=20 yuan, and the total interest for one month is 1000000.02%30=600 yuan. The total interest for one year is 1000000.02%365=7300 yuan.

Four. What is the annual interest of the bank loan of 654.38 million yuan?

The annual interest of a loan is 65438+100000, which depends on many factors, the most important of which is the loan interest rate. The higher the loan interest rate, the higher the annual interest of the loan of 65438+100000.

According to the current benchmark loan interest rate, if the principal and interest are repaid at one time, the annual interest of the loan of 65438+100000 yuan is 4350 yuan.

With the popularization of the concept of loan consumption, loan consumption is increasingly welcomed by young people. In addition to the high amount of loans to buy a house, many people choose consumption or short-term turnover.

Everyone should repay the loan on time, otherwise it will leave a bad record on personal credit, and the loan with serious consequences will be rejected or even enforced.

The annual loan interest rate of 1000000 is short-term, and we only need to look at the loan interest rate. At present, the benchmark interest rate of one-year commercial loans is 4.35%, which can roughly calculate the annual interest of loans of 65438+100000.

However, it should be noted that the loan interest rate of different lending institutions will fluctuate on the benchmark loan interest rate, and the annual interest of the loan is 65,438 438+ 10/00000, which is calculated according to the actual interest rate of the lending institution.

The annual interest of the loan is 65438+ 10,000 yuan: What are the conditions for the loan of 65438+ 10,000 yuan?

1. Generally speaking, the borrower must have an account with the loan bank. Provide the borrower's work unit, position and income. Explain that your spouse or family has a high income, which can make the bank think that you have strong repayment ability.

2. The loan amount applied must be commensurate with the borrower's family income. In the case of equal monthly repayment, we should pay attention to the matching of loan term and loan amount, so that the ratio of monthly repayment amount to the monthly income of the borrower or his family is reasonable.

What are the conditions for a loan of 654.38 million yuan?

3. If a natural person guarantees, the guarantor's certificate, registered permanent residence, monthly income, family loan and guarantee, and the relationship with the borrower shall be provided. Where a legal person guarantees, a copy of the legal person's business license, business scope, financial status, contact address and relationship with the borrower shall be provided.

4. For the collateral, the ownership certificate of the collateral and the appraisal value of the collateral shall be provided; If the collateral is owned by others, the proof of the owner's authorization to mortgage shall be provided. For collateral, it must be under the control of the lending bank. For example, the deposit certificate pledge, the deposit certificate provided must be issued by the lending bank. Banks generally don't accept certificates of deposit from other banks as collateral.

If the above conditions are met, you can apply for a loan from the bank, and the annual interest rate of the loan 1 10,000 is calculated at the agreed interest rate.

Interest on 654.38+ ten thousand yuan car loan:

1. What's the interest on the installment car loan by credit card?

Since the bank has a credit card car loan, traditional car loan products have been left out in the cold. Credit card car loans have no interest, but a certain percentage of installment fees (hereinafter referred to as "fees") should be charged according to the installment period. It is reported that the 36th installment fee of Agricultural Bank of China is 12%, and that of Industrial and Commercial Bank of China is 1 1.5%.

2. How much is the auto loan from the auto financing company?

At present, the auto financing company has the largest market share of auto loans, and the expected annualized interest rate for 1-3 years is 16.24%. The concept of expected annualized interest rate of loan and fee rate are different and cannot be directly compared. According to the repayment method of equal principal and interest of the finance company, the three-year period is about 27%, which is more than twice that of the bank after being converted into the handling fee of the bank credit card car loan.

3. What is the interest on the car loan with zero down payment?

The monthly interest rate of buying a car with zero down payment loan is 0.53%, and the optional period is 24-60 months. Interest is charged monthly. No matter whether the loan is in 24, 36 or 60 installments, the interest will be paid at 0.53% every month. Similarly, the handling fee converted into three years is 19.08%.

4. What is the interest of unsecured credit car loan?

Credit loan is to provide loan procedures, not to mortgage the vehicle, to borrow 1 1,000 yuan, with annual interest payment 1, and 600 yuan, 4,800 yuan for three years.