The loan is 50,000 yuan, 36× 2286 = 82,296 yuan. Interest: 32,296 yuan, monthly interest: 897 yuan, and annual interest rate is 2 1.5%. Interest is a bit high, but it is reasonable and appropriate, and it is more protected by law. It may be an online loan.
I borrowed 50,000 yuan from Gitzo in 36 installments. How much do I have to pay back every month?
Hello, thank you for your interest in Gitzo. You need to call customer service to apply for early repayment 15 days before the repayment due date. Customers who purchase the "Flexible Repayment Service Package" when handling loans can apply for prepayment after paying off all three installments, without paying the prepayment fee. Customers who do not purchase this service have to pay 200 yuan in advance. Customer service will calculate the specific repayment amount according to your situation.
3. The loan is divided into 36 installments of 50,000 yuan each. How much should I pay back each issue?
1, first calculate the monthly repayment principal: 50,000/36 =1388.9 yuan; As for the interest, you didn't say it here. I'll calculate it for you according to the bank's interest rate of 0.8% a month, for reference only. Finally, it will be based on the real interest rate: 50,000 x 0.8% = 400 yuan; 3. Based on the above, the monthly repayment amount is: 1388.9400= 1788.9 yuan; The above interest rates are for reference only, and finally your actual loan interest rate is the main one. The calculation method is basically like this. 1. Basic knowledge of interest calculation (1) The interest rate conversion formula for RMB business is (note: general deposits and loans): 1. Daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷302. Monthly interest rate (‰) = annual interest rate (%). The interest-bearing formula is: interest = accumulated interest-bearing products × daily interest rate, where accumulated interest-bearing products = total daily balance. 2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term. There are three specific methods: if the interest-bearing period is a whole year (month), the interest-bearing formula is: ① interest = principal × years (months) × interest rate; If the interest-bearing period is a whole year (month) and the number of days is decimal, the interest-bearing formula is: ② Interest = principal. Banks can choose to convert the interest period into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest calculation formula is: ③ Interest = principal × actual days × daily interest rate. These three formulas are essentially the same, but because only 360 days are calculated in one year in interest rate conversion, the results will be slightly different when calculating the actual daily interest rate. Which formula is used specifically, the central bank gives financial institutions the right to choose independently. Therefore, the parties and financial institutions can agree on this in the contract. (3) Compound interest: Compound interest means adding interest at a certain interest rate. According to the regulations of the central bank, if the borrower fails to repay the interest at the time agreed in the contract, it will be charged with compound interest. (4) Penalty interest: If the lender fails to repay the bank loan within the prescribed time limit, the penalty interest paid by the bank to the defaulter according to the contract signed with the parties is called bank penalty interest. (V) loans overdue liquidated damages: penalties for the defaulting party with the same nature as penalty interest.
The loan is divided into 36 installments of 50,000 pounds each. How much should I pay back each issue?
1, first calculate the monthly repayment principal: 50,000/36 =1388.9 yuan; As for the interest, you didn't say it here. I'll calculate it for you according to the bank's interest rate of 0.8% a month, for reference only. Finally, it will be based on the real interest rate: 50,000 x 0.8% = 400 yuan; 3. Based on the above, the monthly repayment amount is: 1388.9400= 1788.9 yuan; The above interest rates are for reference only, and finally your actual loan interest rate is the main one. The calculation method is basically like this.