In private lending, "fen" refers to the interest rate unit, with the annual interest rate 1 being 10% and the monthly interest rate 1 being 1%. Annual interest rate 1%, monthly interest rate 1%. Therefore, when signing a loan contract, we must pay attention to what is the time unit before the minute and the minute. If the time unit is not clearly specified, it shall be determined as the monthly interest rate according to the established rules.
In private lending, "a little interest" usually refers to "monthly interest". Calculated by "percentage".
1 dividend means 1% monthly interest, and 3 dividend means 3% monthly interest. From the practical point of view, the so-called 3 cents is based on 1 yuan, that is to say, every time you borrow 1 yuan, you need to pay the interest of 3 cents, which translates into an annualized interest rate of 3%x 12=36%.
If the loan amount is 65,438+00,000 yuan, the annual interest rate calculated by simple interest is 65,438+00,000 x 36% = 3,600 yuan, and the sum of principal and interest after one year is 65,438+00,000 x (65,438+0+3%) calculated by compound interest.
If there is a demand for capital turnover, we recommend you to use Qianhua, a credit service brand under Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" in June 2065438+08). Big brands are reliable, with low interest rates and trustworthy. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%
I know many small loan companies. Generally speaking, Baidu has the highest pass rate. The credit line is the highest. Nothing gave me a credit line of 9.5W My colleague directly approved a credit line of 18W.
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Special attention: withdraw cash in full as soon as possible after the quota is issued, because risk control is dynamic.
It's best to put forward all the suggestions on demand. The risk control system will mistakenly think that you don't need this fund, which will lead to the failure of withdrawal. At least 60% is safer. Support early settlement of repayment after the first installment.
If the money spent is not enough or there is no limit, it is recommended to try the following two platforms, which are also relatively formal licensed financial institutions! The audit is relatively less strict!
360 IOUs, with a maximum loan of 200,000!
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Staging music can be borrowed up to 50 thousand!
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