The annual interest rate of bank loans is 3.8%. Suppose you deposit 10000 yuan with annual interest of 385 yuan.

The annual interest rate of bank loans is 3.85%. If the calculation method of one-time repayment of principal and interest is adopted, the loan interest is the loan principal *3.85%* loan term (year). However, if you use equal principal and interest or equal principal repayment, because the formula is complicated, we will not write the formula here for the time being, and users can use the calculator provided online to calculate the corresponding interest.

In short, the loan interest rate of 3.85% is a low loan interest rate, and the bank loan can be obtained at this interest rate, which shows that the credit qualification conditions of users are excellent.

The calculation method of annual interest rate is: interest = annual interest rate * deposit amount * years. If you deposit 654.38+100000 yuan in the bank for two years with an annual interest rate of 3.85%, the interest after two years will be 770 yuan, and the sum of principal and interest will be 654.38+00770. However, if you deposit for a fixed period of one year, you can enjoy compound interest, with the interest of 385 yuan in the first year and 399.8 yuan in the second year, and the principal plus interest 10784.8. The daily interest rate is usually expressed as a few ten thousandths of the principal, calculated on a daily basis. The specific calculation formula is: daily interest rate = annual interest rate +360= monthly interest rate+30; The monthly interest rate is expressed as a few thousandths of the principal, and the interest is calculated monthly. The specific calculation formula is: monthly interest rate = annual interest rate+12= daily interest rate *30.

For example, the daily interest rate of a loan product is five ten thousandths, which means the daily interest rate is 0.05%. If it is calculated as 30 days a month and 360 days a year. Then, its monthly interest rate is 0.05%*30= 1.5%, and its annual interest rate is1.5% *12 =18%.

If there is a demand for capital turnover, it is recommended that you use the rich flower. Rich Flower is a credit service brand owned by Xiaoman Finance (formerly known as Baidu Rich Flower, renamed as "Rich Flower" in June 2065438+2008). The big brand is trustworthy and the interest rate is low. 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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