1. Monthly interest rate = annual interest rate/12, daily interest rate = annual interest rate /360= monthly interest rate /30, one-day interest rate is 0.65, and one-year interest rate is 234, so the annual interest rate is 23.4%, which should be considered as high interest rate. 0.65× 360 ÷1000×100% = 23.4% The upper limit of judicial protection of private lending interest rate is only 15.4%. Therefore, the loan should be cautious.
The interest of private lending varies with the loan period, but it is not allowed to exceed the annual interest rate of 36%.
Second, the calculation method is mainly divided into:
Interest during private lending
1. First, both parties agree on interest. The court's determination and treatment of agreed interest are as follows: the annual interest rate is below 24%, and the court supports it; In the range of 24%-36%, the court supports the part that has been performed.
The two sides have not reached an agreement on interest.
If there is no agreed interest, the lender claims interest within the time limit, and the court will not support it; If the borrower goes back on his word after voluntary payment and asks for a refund on the grounds of unjust enrichment, the court will not support the interest of no more than 36% per annum; More than 36% interest will be refunded by the court.
Third, overdue interest on private lending.
1. The activities of agreeing on overdue interest between civil subjects always follow the basic principle of "keeping an agreement". If the borrower and the lender clearly agree on overdue interest, as long as the annual interest does not exceed 36%, it can be calculated according to the agreement.
2. If there is no agreement or the agreement is unclear, please note that even if there is no interest agreement within the loan period, it will not affect the claim for overdue interest. The court will support the calculation of overdue interest according to the bank loan interest rate for the same period.
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1. At present, prime bank has six loan methods.
1. Venture loan refers to a special loan issued by an individual who has a certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is recognized as an effective guarantee by the bank. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability.
2. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan. Of course, if it is a mortgage loan, the loan amount can be appropriately increased.
3. Certificates such as loan certificates of deposit, treasury bills and insurance policies can also be pledged, and personal loans can be easily obtained through pledge.
4. Secured loan If your spouse or parents have a good job and a stable income, it is also an excellent credit resource. At present, banks have a soft spot for high-income groups, and lawyers, doctors, civil servants, employees of public institutions and financial professionals are all listed as preferential targets for credit loans.
Microfinance is mainly issued to people who start their own businesses. According to the regulations, laid-off and unemployed people under 60 who are healthy, honest and trustworthy and have certain labor skills can apply for small secured loans from commercial banks or their branches with the re-employment concession card issued by the labor and social security department.