Before explaining the interest rate of 200,000 credit loans, we need to know what factors are related to the interest rate of credit loans. At present, there are many credit loan products that borrowers can apply for, and the interest generated by 200,000 yuan on different platforms and products will be different.
At present, in Beijing's credit loan market, borrowers can apply for credit loans through banks, Beijing loan companies, trusts and formal financial institutions. Products include provident fund, policy loans, monthly loans, wage loans and so on. Lenders with different loan qualifications will have different interest rates for credit loans. According to Manager Lu, the interest rates of comprehensive multi-platform loan products are as follows:
The annualized interest rate of the provident fund credit loan is 3.24%- 13.68%.
The annualized interest rate of policy credit loans is 7.68%- 13.68%.
The annualized interest rate of monthly mortgage loan is 7.68%- 15%.
The annualized interest rate of wage credit loan is 5.4%- 15%.
Friends who are concerned about how to calculate the bank loan interest should know that after knowing the loan interest rate, loan amount and loan term, we can convert the loan interest according to the formula: monthly interest = annual interest rate/12x loan amount, daily interest = annual interest rate /360x loan amount and total loan interest = annual interest rate x loan amount x loan term.
The above is about the interest rate of 200,000 credit loans. The interest rate of credit loan is generally higher than that of mortgage loan, which is suitable for short-term small capital revolving borrowers to apply. Although you can apply for a credit loan with a maximum loan amount of 2 million in the case of good qualifications, you still need to apply for a Beijing real estate mortgage loan when you really encounter big financial problems, because the loan interest rate is low.