The loan is 654.38 million yuan, which will be paid off in three years. The monthly repayment principal is 2778 yuan, and the interest is generally around 600 yuan, so the total monthly repayment is around 3300-3500 yuan. The products of bank loans are different, and the interest varies greatly. The interest calculated here is calculated by the comprehensive average interest of all banking institutions, subject to the loan product you apply for.
What is the monthly loan of 65438+100000 for three years?
The car loan is 65438+100000, and the monthly payment is 2985.88 yuan.
1. If the loan interest rate announced by the People's Bank of China for 1-3 years (including 3 years) is 4.75%, then the ordinary loan interest for 3 years is =1000004.75% 3 =14250 yuan.
2.36 10 interest is repaid by CCB with equal principal and interest: the loan principal is 100000, assuming the annual interest rate is 4.75% and the loan term is 3 years. Repay the principal and interest of 2985.88 yuan per month, the total repayment amount is 10749 1.68 yuan, and the interest payable is 749 1.68 yuan, 1 month, and the interest is 395.83 yuan.
First, the conditions for applying for auto loans
(1) The car buyer must be at least 18 years old and a citizen of China with full civil capacity.
(2) Car buyers must have a relatively stable job, a relatively stable economic income or assets that can be easily realized, in order to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.
(3) During the loan application period, the car buyer will deposit the car purchase down payment lower than that stipulated by the bank into the account of the bank savings counter.
(4) Providing banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.
(5) Car buyers are willing to accept other conditions deemed necessary by the bank.
Choose a bank loan to buy a car, the loan interest rate is moderate, and there are many kinds of cars to choose from. However, in the process of handling loans, it actually takes time and energy. In order to control risks, banks usually spend a long time reviewing and require applicants to submit a lot of information. If you want to apply and are not afraid of trouble, bank loans are a good choice;
As we all know, credit cards don't charge interest by installment, which is also the biggest advantage of buying a car by installment. At the same time, credit card installment is convenient and quick, and it can be done with one phone call. Sometimes banks can enjoy certain discounts when they cooperate with car dealership companies.
Two. Information to be provided for car loan
1, personal loan application;
2. Valid identification of individuals and spouses;
3, I and my spouse's occupation, position and income certificate;
4. Marriage certificate (unmarried certificate is required, except those who have not reached the legal age for marriage) and household registration book;
5. Original ID card, residence booklet or other valid proof of residence, and provide a copy;
6 car purchase agreement, contract or letter of intent signed with the dealer;
7. Proof of deposit or down payment;
8. The supporting documents or materials required for the guarantee;
9. Other documents required by the Cooperation Organization.
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The loan is 6,543,800 yuan, which will be paid off in three years! The interest is 1! What is the total interest for three years?
The total interest for three years is 9000 yuan.
According to the meaning of the question, the loan principal is 654.38 million yuan, that is, 100000 yuan.
The annual interest rate is 10000, that is, the annual interest rate is = 1%, and the loan period is three years.
According to the formula, interest = principal interest rate time.
Substituting the data in the question, we can get the formula:
Interest = 10000 1% 3 = 9000 (yuan)
Extended data:
Loan repayment method:
(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;
(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;
(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.
(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.
(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.
Matters needing attention in loan:
1. When applying for a loan, the borrower makes a correct judgment on his economic strength and repayment ability according to the loan interest rate. Design a repayment plan according to your income level, leaving room appropriately, without affecting your normal life.
2. Choose the appropriate repayment method. There are two repayment methods: equal repayment and equal principal repayment. Once the repayment method is agreed in the contract, it shall not be changed during the whole loan period.
3. Repay on time every month to avoid penalty interest. From the month after the loan is initiated, it is generally the repayment date of the next month. Don't cause liquidated damages because of your negligence, so that banks can't apply for loans again.
4. Take good care of your contracts and IOUs, read the terms of the contracts carefully, and know your rights and obligations.