You must know how talented the interest rate is before you can calculate it.

At present, the annual interest rate of bank loans is around 6%.

Let's assume that your loan interest rate is 6%.

50 yuan's interest.

Second, what are the conditions for a bank loan of 50,000 yuan?

What are the requirements for a loan of 50,000 yuan from the bank? First of all, you must come from China, and you must bring your ID card, household registration book or other supporting materials. The ID card must be your own and there is no degaussing damage within the validity period. Second, the age is between 18 and 65 years old. Because some banks may not have a high loan amount of 50,000 yuan, the age requirement is relatively broad. However, they must be at least 18 years old and have full capacity for civil conduct. Third, it is stipulated that the work is stable and can be paid off at one time. This requires residence permit, personal income certificate, bank running bill and capital certificate, etc. If the bank can lend you money, you should first consider your repayment ability. Fourth, the personal credit report is in good condition, and the bank will inquire about its personal credit report, preferably within five years. The credit cards of various car loans and mortgage banks are excellent. Fifth, because different banks and different regions have different views on 50,000 yuan, the requirements for loans are also different, and sometimes other needs of local banks need to be met. In fact, in today's full-scale credit loan, 50,000 yuan, sometimes you don't need to go through the bank channel, the flower buds in Alipay, the use of the US Mission and so on. As long as you can ensure that you can pay it off in one lump sum, it's much easier than a bank. However, don't use informal loan platforms, some of which are conventional loans.

I want to borrow 50 thousand yuan from an ordinary bank.

Basically all banks can lend, including the four major state-owned banks and joint-stock banks. Judging from the amount of your loan, you need to provide assets mortgage and pledge worth at least 70,000 yuan, such as real estate (with real estate license and land use certificate), securities, vehicles, precious metals and precious metal products, supply and marketing contracts, commercial acceptance bills, etc.

But your amount is not large, and the repayment period is very long. I'm afraid it's more difficult. You'd better provide reasonable use of funds.

As for how much money to pay back each month, I'm afraid this is not your main problem, because according to your time and amount, it will probably be about 900 yuan per month.