1, repayment method of equal principal and interest:
Total interest: 1639.86
Total accumulated loan repayment: 565,438+0639.86
Monthly repayment: 4303.32
2, the average capital repayment method:
Total interest: 1625.00
Total amount of accumulated loan repayment: 5 1625.00
Monthly repayment: 44 16.67
The basic conditions for personal loans are as follows:
1, at least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate;
2. Have a stable legal income and proof, and have the ability to repay interest;
3. When the loan business needs a down payment, it has the ability to pay the full down payment;
4. If the personal loan amount is large, the collateral conditions required by the bank shall be met;
5, such as credit loans, need to have a good reputation;
6. Other conditions meeting the requirements of the bank.
Classification of personal loans:
Personal loans are roughly divided into personal real estate loans, personal automobile consumption loans, personal bulk consumer goods loans and personal micro-credit loans. According to the different types of bank loans, the requirements are different. I hope you can consult in detail when you apply.
Corporate commercial loans:
In addition to personal bank loans, there are also corporate commercial loans. For the loan business of large and medium-sized enterprises, bank loan requirements are also different from personal loans. The loan object of a commercial loan must be a commercial enterprise, that is, it has economic income, the prepaid value can be compensated and increased, and there is a source of funds to repay the principal and interest of the loan. Enterprise loan requirements should meet the legitimacy and independence of operation, have certain self-owned funds, open a basic account in a bank, have the ability to repay the principal and interest on schedule, and have good credit. In addition, it is also necessary to meet other requirements such as collateral required by banks. The specific loan requirements of each bank are different, and lenders need to go to specific banks for corresponding consultation.