If it is a mortgage business, there are many classifications, mainly depending on your years and interest rate.
The one-year loan prime rate of China People's Bank is 4.35%. If the loan is 6,543,800 yuan and the interest = 654.38+ 000000× 4.35% = 4,350 yuan, the result is 4,350 yuan. You can use mortgage loans or credit loans when making loans; Credit loans must provide a good bank flow and a good credit record. If you have a bad credit record, the loan is likely to be rejected.
Extended data:
Matters needing attention in loan:
1. The information provided to the bank should be true, my address and contact information should be accurate, and the bank should be informed in time if there is any change.
2. The loan purpose should be legal and compliant, and the transaction background should be true.
3. According to your repayment ability and future income expectations, choose the repayment method that suits you.
4. Apply for a loan amount according to your own ability, and usually the monthly repayment amount does not exceed 50% of the total family income.
5. Read the terms of the contract carefully and know your rights and obligations.
6. Repay on time to avoid bad credit records.
7. Be sure to evaluate your repayment ability before lending, and don't exceed your burden. This loan had better not affect your life. If it is difficult to repay within one year, the loan time can be extended to reduce the repayment pressure.
The details that need to be paid attention to when lending mainly include:
1. Are lending institutions and platforms formal?
Be sure to pay attention to whether the institution or platform that handles the loan has a financial license. If you encounter an informal lending institution or platform, you are likely to be cheated.
2. Whether the loan interest is normal:
Some lending institutions and platforms may cheat on interest, such as flaunting low interest rates, and as a result, the approval interest rate is actually much higher. This situation is very common in small loans. There are also some online loan products that charge "beheading interest". Therefore, people must pay attention to whether the interest rate is at a normal level and whether it meets the standards of usury.
3. Are there any mandatory requirements:
Some loans may have additional requirements, as well as various service fees and liquidated damages. Will be charged. Everyone must pay more attention to loans to avoid being restricted later.
What are the details of the loan?
When you apply for a loan from different lending institutions and platforms, the rigor of the review is different, and the information you need to provide may be different. Therefore, it is best to find out what information needs to be provided first, so as to avoid omission and affect the handling of loans.