Hello, this kind of matching principal and interest doesn't matter which way is good for general capital. The loan is 800,000 yuan, and the interest rate is 5.225. The average capital just signed has been floating for ten years. It has been paid for three years and four months, and the repayment amount is 575 1 18. I want to pay in advance now. Which year is the most cost-effective? If you repay in advance, you will get less interest. You didn't say which one. If you have spare money on hand, you can pay it back slowly, and the interest will not be calculated. Question: Is there a penalty in advance? Answer: It depends on the regulations of the lending bank. My postal bank will be exempted from punishment after one year. Personally, I think it's almost the same. Basically, after one year, you can repay the loan in advance at any time without penalty interest. Ask a question. Then can you help me figure out how much I still need to pay back? Answer ok, wait a moment. I have paid back 588702 to 10 years. I need 1088702 yuan, so I need to pay back 42039 yuan. The problem is that I need to return it in advance now. If it is paid off in full, the interest will only be calculated until the day you have to pay it back, and then the remaining principal will exceed 65438+. Average capital, interest rate 5.225, just started signing. The loan has been paid for ten years, and now it has been paid back for three years and four months. The repayment amount is 575 1 18. I want to pay in advance now. Which year is the most cost-effective?
Hello, there is no difference between the two methods of equal principal and interest and average capital.
Isn't there an early penalty?
If you repay in advance, the sooner you repay, the less interest you will get. You don't say which year is suitable. If you have spare money on hand, you can pay it back slowly, and interest will not be calculated on the part that has been paid back.
Then can you help me figure out how much I still need to pay back?
It depends on the rules of the lending bank. The Postal Savings Bank where I work is not required to pay liquidated damages after one year.
Now it has been returned to 588702.
As far as I know, the policies of the six major state-owned banks are almost the same.
That is, I will return it in advance now. Do I still have to pay so much?
Basically, after one year, you can repay the loan in advance at any time without penalty.
Second, what are the differences in borrowing methods?
At present, there are three forms of car loans: car purchase by credit card, car financing company loans and car loans from major banks. 1) Buying a car by installment with a credit card At present, buying a car by installment with a credit card loan has become one of the important channels for car loans. The most obvious advantages of credit card loans are fast approval and relatively simple procedures. 2) auto finance company loans auto finance company loans can be applied directly in 4s stores, and there are no excessive requirements for hard conditions such as hukou and real estate. Flexible loan method and long repayment period. 3) major banks buy car loans. Buying a car loan initially started with a bank loan. However, at present, banks are facing the pressure of tightening credit scale, and consumer loans such as car loans have also shrunk dramatically, and bank loans for some middle and low-end cars can hardly be approved. For some commercial banks, the approval of personal automobile consumption loans is relatively easy and the required procedures are relatively simple. Even if the online application is opened, the online application can be completed directly, and there is no need for real estate mortgage, so the operation is convenient and efficient. /Hui You /xinyidaiwmcar.shtml
3. What are the financing methods?
I. Concept of financing
1, financing in a narrow sense refers to the financing carried out by an enterprise to raise funds.
2. Financing in a broad sense refers to finance, that is, the financing of monetary funds, and the behavior of the parties to raise or lend funds in the financial market in various ways.
Second, financing methods.
There are many financing methods in the market, but they can be roughly divided into the following types:
1. Equity financing means that the shareholders of an enterprise are willing to give up part of the ownership of the enterprise and introduce new shareholders through capital increase.
There are many such ways, especially for start-ups. Because of the need of capital development, the operation of the enterprise has been recognized by the capital side, so the two sides reached an understanding and raised funds in the form of equity. For example, at present, the company's total assets are 500,000 yuan, and it needs to raise 6,543,800 yuan. At this time, the company will give its funds a way to convert into shares, but this fund is not a liability, it is self-raised, and there is no need to give interest or guarantee.
2. Creditor's rights financing refers to the enterprise's financing through borrowing. The enterprise must bear the interest of the funds first, and repay the principal of the funds to the creditors after the loan expires.
Debt financing means that enterprises simply borrow money from investors, investors become creditors and enterprises become debtors. Creditors are not shareholders and do not enjoy any shareholder treatment. Pay the principal and interest at maturity according to the interest agreed by both parties. For example, in order to expand the scale, enterprises need to raise 6.5438+0 million yuan, so they agreed with creditors that the annual interest rate is 5% and the term is one year. This kind of financing, especially bridge funds, often gives higher interest when enterprises need funds badly.
3. Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit.
Enterprise development is inseparable from finance. Once enterprises develop to a certain extent, the state will provide financial assistance to enterprises at more favorable interest rates, and almost every enterprise will use bank loans. After all, bank loans are slightly cheaper than debt financing, and of course it depends on the specific situation. In different countries, regions and different development periods of a country, the types of loans classified according to various standards are also different.
For example, in the past, it was relatively easy for real estate enterprises to borrow money, and the loan interest was relatively low. Now, under the pressure of the national real estate control policy, it is difficult for real estate enterprises to apply for loans from banks.
4. Financial leasing means that the lessor purchases the leased property from the supplier at the expense of the lessee according to the specific requirements of the lessee and the choice of the supplier, and the lessee pays the rent to the lessor in installments. During the lease period, the ownership of the leased property belongs to the lessor, and the lessee has the right to use the leased property.
This kind of financing is special. For that kind of huge assets and equipment, it is often a way of leasing to financing. For example, hospitals need to introduce an expensive high-end medical equipment worth tens of millions. At this time, financial leasing is usually used.
5, stock financing, the stock has the characteristics of permanent, no expiration date, no need to return, no pressure to repay the principal and interest, so the financing risk is small.
Stock financing only refers to enterprises that have successfully listed. The shares of our company can be freely circulated and traded, and we can raise funds through additional issuance, which is a bit like equity financing, but there are differences. Through stock market financing, there are a wide range of financing objects, including public and private stock financing methods.
6. Bond Financing Corporate bonds, also known as corporate bonds, are securities issued by enterprises in accordance with legal procedures and agreed to repay the principal and interest within a certain period of time, indicating that there is a creditor-debtor relationship between the issuing enterprises and investors.
Bond financing also refers to specific enterprises, usually listed companies, raising funds by issuing bonds. General entrepreneurial enterprises or enterprises without scale are not qualified to issue bonds.
7. Overseas financing refers to the overseas financing methods that enterprises can use, including loans from international commercial banks, loans from international financial institutions and bonds and stocks financing business of enterprises in major overseas capital markets.
Overseas financing is mainly a unique financing method for international trade or multinational enterprises. Unlike domestic financing, it seeks funds from the international community. For example, Evergrande Group has a large number of overseas bonds for overseas financing.
4. What are the loan methods? One * * * six kinds, each with its own characteristics.
When you go to the bank to apply for a loan, a special credit manager will ask the borrower what kind of loan you want to apply for. How to apply for a loan? Many borrowers will be forced to determine the amount of loans they want to apply for, but the loan method is still a little confused. What are the loan methods? One * * * six kinds, each with its own characteristics!
What are the loan methods? 1, specific loans The so-called specific loans are actually some special loans, such as interest-free loans for start-ups, interest-free loans for the disabled, and entrepreneurial loans for college students. The characteristic of this kind of loan is that it is supported by the state, and if there is a loss, it will be made up by the state. Moreover, such loans are generally undertaken by state-owned banks. 2. Entrusted loans Generally speaking, entrusted loans refer to loans provided by clients such as relevant institutions, institutions and individuals, which are issued, supervised and recovered by lenders (that is, trustees) according to the loan object, purpose, amount, term and interest rate determined by the clients. The lender (trustee) only collects the handling fee and does not bear the loan risk. 3. Personal credit loan Credit loan means that borrowers can make loans by virtue of their own credit status. The general credit loan amount will not exceed 200,000 yuan, and the borrower is required to have good credit information, stable income and proper work. If the borrower is a civil servant, corporate executive, etc. The loan amount can be higher. 4. Mortgaged loan refers to a loan that is mortgaged by the property of the borrower or a third party and issued in accordance with the agreed mortgage method. Collateral is generally represented by houses and cars. 5. It refers to the loan that is pledged by the movable property or rights of the borrower or a third party, and issued in accordance with the agreed pledge method. Bill discount refers to the loan issued by the lender by purchasing the unexpired commercial paper of the borrower. 6. Provident fund loans Provident fund loans refer to loans enjoyed by employees who have paid housing provident fund. According to the national regulations, all employees who have paid the provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans. The above is the sharing of "What are the loan methods?" I hope it will help everyone!