First, according to the example given by the micro-loan official, we borrowed 200,000 yuan, borrowed it for one day, and exchanged 40,000 yuan in advance, with interest of 20 yuan. The daily interest rate is 0.05%, which looks low, but the annualized interest rate reaches 18.25%. Let's take a look at how micro-loans interest. The daily fixed interest rate is adopted for small loans, and the interest is calculated according to the actual borrowing days, with annual interest rate = daily interest rate ×365. The execution interest rate of the loans granted is fixed and is not affected by the adjustment of the benchmark interest rate of the People's Bank of China. Daily interest = remaining unpaid principal × daily interest rate, and the current daily interest rate is 0.05%. Take chestnuts for example. For example, Xiaoming borrowed a small loan of 1 1,000 yuan and paid back 5,000 yuan after half a year. The interest paid in the middle is 1, 000×0.05%× 180 = 405 yuan, and the residual interest is 5000×0.05%×65438+. However, if there is no prepayment in the middle and the repayment is due one year later, the interest will be 10000 yuan ×0.05%×365= 1825 yuan.
I have engaged in bank credit for many years. If I want to apply for 1-20W fund turnover by myself, which online platforms are more formal and easier to apply by myself? On the whole, Baidu (Xiaoman) is a platform with high pass rate. The credit line is the highest and the interest is low. I have a car loan and gave me a credit line of 9.5W, which I recommend to my colleagues as a direct credit line 18W.
If there is a demand for capital turnover, the degree is small and complete-there is money to spend, big brands are reliable, and interest rates are low and trustworthy. If you have money to spend, you can borrow money easily. The maximum loan amount is 200,000 yuan, and the daily interest rate is as low as 0.02%. Lending in 3 minutes at the earliest. The specific amount depends on personal assessment!
Xiaoman-Rich Flowers (the second batch) Click online measurement.
Reminder: Try to withdraw cash in full after the quota is issued, because risk control is dynamic. Now the loan is not enough. If there is demand, it is best to withdraw it in full. Support early settlement of repayment after the first installment.
Many people don't have enough money to spend. You can try the following two platforms, which are also relatively formal licensed financial institutions! The audit is relatively less strict! 360 IOU is the financial service of 360 antivirus software, and installment music is owned by Lexin, both of which are big companies.
360 IOUs, with a maximum loan of 200,000!
Click online measurement
Staging music can be borrowed up to 50 thousand!
Click online measurement