The interest rate of ICBC e-loan shall be subject to the implementation of each branch. You can check the specific interest rate through online banking, mobile banking or business outlets. Sometimes ICBC will provide corresponding preferential treatment, for example, high-quality credit card customers can enjoy the interest rate discount of financing E, and the annual interest rate is as low as 4.875%.

The term of ICBC e-loan is generally 2 years, and the longest is 5 years. Suppose someone borrows 5000 yuan and repays it after 20 days, and the daily interest rate of the loan is 0.02%, then the interest to be paid when repaying is 5000×0.02%×20=20 yuan.

E-loan for industrial and commercial finance refers to a loan product launched by Industrial and Commercial Bank of China, but it must be issued to borrowers who meet certain conditions when applying. The maximum amount from 600 yuan is 800,000 yuan, and the amount can be recycled. The loan term is generally 2 years, and the longest is 5 years. There is no mortgage, no guarantee and pure credit when handling, and different users get different credit lines.

Users can choose the repayment method and time according to their own income when handling loans. The repayment method supports four repayment methods: matching principal and interest, average capital, one-time repayment of principal and interest on schedule and one-time repayment of principal and interest, and supports early repayment. Repayment cannot be overdue, otherwise there will be a penalty interest.

When applying for e-loan, you can apply through online banking and mobile banking "one-click loan" and business outlets. The requirements for the application include that the borrower 18-60 years old and has full capacity for civil conduct; The applicant's work unit or habitual residence should be in the location of the loan issuing institution; Other conditions stipulated by China Industrial and Commercial Bank.

The loan applied for by Ronge Loan can be used for car purchase, home improvement, tourism, shopping and consumption, but it is not allowed to enter the securities market, futures market, equity investment and real estate market, and it is not allowed to be used for private lending. It should be noted that overdue repayment of e-loan will lead to the deterioration of personal credit information.

Rong e loan has the following advantages:

Interest rate concessions: e-loan will bear interest on a daily basis. At present, e-loan 10000 yuan (one year), and the minimum daily interest is less than 1 yuan.

Revolving credit: it can be repaid with the loan and repaid in advance. Support average capital and equal principal and interest, and some customers support paying interest on schedule and repaying the principal at one time.

Flexible term: the shortest loan term of Rong E is two months, and the longest is generally two years. Some customers can enjoy a longer term. You can flexibly choose the number of loan periods within the longest loan period.

Better experience: no mortgage, no guarantee, pure credit, self-service application up to 200 thousand.

Convenient application: You can handle it yourself through various online channels such as ICBC e-life, e-finance, e-finance and online banking, or you can handle it at our business outlets, and the loan will be received in real time as soon as possible.

How much is the interest of ICBC's e-loan 50,000? Different repayment methods, different interest.

; ? ICBC e-Loan is a personal credit product launched by Industrial and Commercial Bank of China. Different from ordinary bank loans, it is unsecured, unsecured and purely based on credit. According to the different qualifications of users, different evaluation values will be given, thus providing different loan interest rates. Next, taking ICBC e loan of 50,000 as an example, the interest rates under different repayment methods are calculated.

I. Interest rate range and interest calculation method of ICBC e-loan.

The interest rate of ICBC e-loan is calculated according to the latest LPR quotation in the loan market and updated once a month. Minimum annual interest rate is differentiated pricing based on interest rate. The specific loan interest rate of each person shall be subject to the actual display at the time of handling.

Two. Interest-bearing method and repayment method of ICBC e-loan.

ICBC's e-loan can be repaid in advance at any time according to the number of days actually occupied by the loan principal balance. There are three repayment methods: average capital, matching principal and interest, and repayment of principal at one time on schedule.

3. What's the interest on ICBC's e-loan of 50,000 yuan?

According to the feedback, the annual interest rate of most users of ICBC Rong e-loan is about 50,000 yuan, which will be paid off in 1 year.

1, average capital

Total interest = 1.560 yuan, total principal and interest = 5 1.560 yuan, the repayment in the first month = yuan, and then the repayment amount will decrease by 20 yuan month by month until the repayment in the last month = yuan.

2. Equal principal and interest

Total interest = yuan, total principal and interest = yuan, monthly repayment = yuan.

3. Pay interest on schedule and repay the principal at one time.

Total interest =2880 yuan, total principal and interest =52880 yuan, monthly repayment1-1= 240 yuan, repayment 12 =50240 yuan.

The above is about how much interest ICBC can borrow from E loan of 50,000 yuan. I hope I can help you.

How much is the interest on a three-year loan of 50 thousand? What does credit card installment loan mean?

How much is the 3-year installment interest on the loan of 50,000 yuan?

When calculating the installment interest, remember the installment interest rate and its repayment method. Here are some simple examples.

1, ICBC wealth management e-loan

ICBC's personal credit loan can be repaid in installments for up to 3 years, with the lowest annualized interest rate LPR+0.5% during the same period, which will be upgraded monthly. There are several repayment methods, such as equal principal repayment and equal principal and interest repayment.

Assuming that the annual interest rate of the loan is 4.8% and the monthly installment rate is 0.4%, and the principal and interest are repaid equally, the three-year installment interest of the loan is 3786. 13 yuan.

2. Recruit good loans

The loan products of Zhaolian Consumer Finance can be repaid in installments for up to 36 months. The annualized interest rate of the loan is between 7.3% and 23.725%, and several repayment methods such as daily interest calculation and equal principal and interest repayment are applicable.

Assuming that the annual interest rate of the loan is 7.3% and the monthly interest rate is about 0.6%, and the principal and interest are repaid in equal amount, the installment interest of the loan for 50,000 years is 5,826 yuan.

3. Love and rice

The personal loan service platform under the Lexin Group can be paid in installments for up to 3 years, and can bear interest on a daily basis, with a minimum daily interest rate of 0.03%. The repayment method also supports equal principal and interest repayment.

Assuming that the daily interest rate is 0.03% and the monthly interest rate is 0.9% based on the estimation of 30 days a month, and the principal and interest are repaid in equal amount, the installment interest of the 50,000-year loan is 8,759.35 yuan.

The actual charging standard depends on the bank's specifications;

First, if you apply for installment repayment, you must pay it off in one lump sum. If you can't pay in installments, there will be loans overdue, which will have an impact on personal credit. You can call the bank customer service hotline to find out.

Second: although the installment repayment of bank credit cards does not generate loan interest, the payment fees are different. Each bank's bank statement has different installment times, and the handling fee rate is different according to the different installment times. The installment repayment fee is 0.6%- 1.5% in most banks, and some banks exceed 10%. Taking the six-phase repayment of 65,438+100000 as an example, the five banks of industry, agriculture, China, construction and postal service charge the least.

Third: the handling fee for each period of the bill is generally the total amount of each period multiplied by the handling fee interest rate for each period. The total installment expenses are amortized on a monthly basis, and the last installment is included in the dividend, as well as the installment amount and handling fee of each installment. There are also banks that charge a one-time fee for installment payment. Repayment by installments is generally beneficial to cardholders who have a relatively large amount and cannot repay in one lump sum for a long period of time, which can prevent the occurrence of compound interest.

The other is: when choosing installment repayment, you need to pay attention to asking the bank, such as how much the credit line of the transaction is and how to calculate and collect the handling fee; Master the preconditions of credit card consumption and the amount of available cash in each period; Master whether the selected installment payment method is free of handling fee, and if not, what is the handling fee interest rate and its calculation method; Customers who choose to swipe their credit cards first and then apply for installment payment in the bank should understand the bank's handling procedures to avoid application failure and confusion in payment plans.