Benchmark interest rate * loan amount/house payment+months in February = monthly interest.
Taking the current benchmark interest rate of 4.9% and the loan of 654.38 million yuan as an example, assuming that the principal is not repaid, the annual interest is 654.38 million * 4.9% = 4,900 yuan, and the monthly interest is 654.38 million * 4.9%/654.38+02 = 408.33.
How is this loan interest rate calculated? For example, if I borrow 500 yuan, what's the interest?
If the annual interest rate is 0.78% per month, multiply it by 12 months.
For example, 1 12 months,10000 *12 * 0.78% = 936.
What's the loan interest rate?
Hello, you can open the following link to check the query of RMB loan benchmark interest rate: cmbchina/...cdrate.
If you still have questions about the one-card service, please log on to "Online Customer Service" for consultation: forum.cmbchina/...ncmu=0, thank you for your concern and support for China Merchants Bank!
How to calculate the loan fee?
Banks stipulate that loans do not charge fees, but only assessment fees and mortgage registration fees. The handling fee is the name of the intermediary's own charge, which can be negotiated!
How to calculate the loan interest rate of 20,000 yuan 2.33 cents 12?
The monthly profit is 2.33%
The formula for calculating the monthly payment of equal principal and interest is: [loan principal × monthly interest rate ×( 1+ monthly interest rate )× repayment months] ([(1+ monthly interest rate) × repayment months].
Monthly payment = 20000 * 0.0233 *1.023312/(1.023312-1) ≈193/kloc-
10 thousand loan, 5.5% monthly interest? How to calculate
Lenders generally need to meet the following conditions:
1. China citizens with permanent residence in China, permanent residence in local towns and 18-65 years old;
2. Abide by laws and regulations, and have no illegal acts and bad credit records;
3. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;
4. Other conditions stipulated by the bank.
How to calculate the bank loan fee?
The loan fees shall be implemented in accordance with the provisions of the People's Bank of China.
For example, China Merchants Bank loan fee provisions:
1. The loan interest rate is subject to the loan interest rate stipulated by the People's Bank of China;
2. Short-term loans (with a term of less than one year, including one year) shall bear interest at the legal loan interest rate of the corresponding grade on the signing date of the loan contract. During the term of the loan contract, in case of interest rate adjustment, interest shall not be calculated by sections; The loan interest can be settled monthly, quarterly or with the principal;
3. For medium and long-term loans (with a term exceeding one year), the interest rate shall be fixed at one year. The loan shall bear interest according to the term agreed in the loan contract and the legal loan interest rate of the corresponding grade on the effective date of the loan contract. One year later, the interest rate for the next year is determined according to the legal loan interest rate of the corresponding grade at that time. Medium-and long-term loans are settled quarterly, and the 20th of each quarter is the settlement date;
4. The loan interest rate of revolving credit line shall be implemented according to the loan interest rate of the same grade during the credit period, and the interest shall be calculated by stages according to the actual use quantity and time of the credit line;
5. Other provisions: The interest that cannot be paid on schedule during the loan period shall be compounded at the contract interest rate; after the loan is overdue, it shall be compounded at the penalty interest rate; and the penalty interest that cannot be paid on schedule during the overdue period shall be compounded at the penalty interest rate.
What is the interest rate of the loan company?
It can be the interest rate charged for loan interest or the interest rate charged for handling fees.
How to calculate the 0.63% interest rate of China Merchants Bank loan 65438+124? How much is each issue?
If you apply for a personal loan at China Merchants Bank, "loan interest and monthly payment" are calculated according to the total loan amount, loan period, execution interest rate, repayment method and other factors.
If you want to make a trial calculation for reference, please open the following link: cmbchina/...=dkjsq, and try to make a trial calculation using the loan interest rate you applied for. (You can view information such as monthly payment, monthly payment principal, monthly payment interest, principal balance, total interest and total repayment).
How is the car loan fee calculated?
First of all, the cost of car loans
The biggest loan cost of bank automobile mortgage is loan interest. Different banks and loans with different maturities have different interest rates. The benchmark interest rate for three-year loans is 6. 15%, and the actual loan interest rate is usually higher than the benchmark interest rate, and the benchmark rises by 30% to 40%. Is there any other charge for mortgage besides loan interest? This also depends on the specific situation of the loan. For example, some car loans need to be guaranteed. If they are guaranteed by a guarantee company, they usually need to pay a certain deposit, usually several thousand yuan. If the borrower repays the loan on time, the guarantee company can refund a certain amount of deposit as agreed. If you use real estate as a mortgage, there will be real estate appraisal fee, mortgage registration fee and other fees.
Second, the installment car purchase fee
If you buy a car by installment with a credit card, there will be no loan interest, but there will be installment fees (except for a few designated car models, which are free). Different banks have different credit card installment fees, and there are two ways to pay credit card installment fees: one-time payment and installment payment. The total cost during the general 12 period is above 10%.
Three. Other handling fees for car loans.
Whether it is car loan or credit card installment payment, if it is handled through a car dealer, it may be necessary to pay a certain agency fee to the dealer.