According to the official website of 1 and 360 IOUs, the minimum daily interest rate for lenders to apply for loans in 360 IOUs is 0.02%, and the maximum daily interest rate is 0.06%, while the daily interest rate for most lenders to apply for loans is 0.04%-0.06%. The calculated annualized interest rate is 15%-2 1.
2. The installment interest rates of various bank credit cards are somewhat different, but the installment interest rates of bank credit cards generally do not exceed 18.5%. The less installment payment, the greater the relativity of bank loan interest rate.
3. From this comparison, if the borrower's qualification certificate is not very good, then if you apply for a loan at 360, the loan interest needs to be higher than the bill installment. If the lender's loan qualification is good, the loan interest rate will generally not be higher than the bank credit card if the loan is handled in 360 IOUs.
The estimated income of annuity insurance is stable. Generally, the credit return amount and time of dividend insurance are confirmed at the time of insurance application and included in the policy, so the safety factor is still relatively high. At present, there are many annuity insurance products on the market, including long-term and short-term.
What are the short-term quick return annuity insurance? Annuity insurance with short income time and quick effect is suitable for groups with spare money in a short time. Considering that the profit rate of goods is relatively fast, if the insured person wants to surrender in case of emergency during the insurance period, there will be no particularly large property loss. Since there are many such products on the market at present, Xi Cai Jun can only give you a few examples.
1, 8-year annuity insurance
For example: warm gold life annuity insurance
This is also the annuity insurance under PICC Life Insurance Group, and it is one of the Spring Festival products of PICC Life Insurance 202 1 year. Suitable for people aged 28 days to 70 years, and the guarantee period is 8 years. The premium can be paid in three years and five years. If a 30-year-old man is insured, he will pay more than 65,438+00,000 yuan a year, and the premium will be paid within five years, with a total capital investment of more than 50,000 yuan. The additional premium account (item C) will be calculated at the intermediate annual interest rate. The total survival income at the end of this policy is as follows:
3 1 year-end total survival income is 673 1 yuan;
The total survival income at the age of 36 is 50642 yuan;
At the age of 38, the total survival income is 55850 yuan;
The total survival income at the end of 40 years old is 6 1067 yuan;
At the end of 50 years, the total survival income was 95,582 yuan.
From the above, we can know that in the sixth year of the policy, when the beneficiary is actually 36 years old, the total income of the life insurance policy exceeds the premium paid and the profit is completed. Because there is a universal account, if all the unpaid dividend insurance is paid into the universal account, the income from long-term investment is estimated to be very rich.
2. 15 or 20 year annuity insurance.
For example: Huaxia Yuruyi Annuity Insurance Extreme Edition
This is also a product of Huaxia Life Insurance Group, which is suitable for people aged from 5 days to 70 years old. The insurance period can be 15 or 20 years, and the premium can be paid in batches. In 3 /5/10 years, the premium of at least 10 yuan can be paid, and the premium of at least 3,000 yuan can be paid in installments. If men are insured by Huaxia Yuruyi Annuity Insurance Extreme Edition, they will pay more than 6,543,800 yuan over the years and continue to pay for three years, with a total investment of 300,000 yuan, covering 654.38+ 05 years. People of different ages will be profitable in the sixth year. Details are as follows:
The total income of 0-year-old people in the sixth year of insurance is 3 10504 yuan;
The total income of 20-year-old male in the sixth year of insurance is 3 10522 yuan;
The total income of the 30-year-old male in the sixth year of insurance is 3 105 17 yuan;
The total income of the 40-year-old male in the sixth year of insurance is 3 10509 yuan;
The total income of 50-year-old people in the sixth year of insurance is 3 10483 yuan.
3.20-year annuity insurance
For example: Huaxia Red Diamond Enhanced Edition
This product is underwritten by Huaxia Life Insurance and is suitable for people aged 5 days to 70 years. The insurance period is 20 years, and the premium can be paid in batches, starting from 3 years /5 years 10000, and paying 3,000 yuan in installments. If a 30-year-old man is insured, the premium will be paid within three years, and the annual premium will exceed 65,438+0,000 yuan, totaling 30,000 yuan. The insurance period will be 20 years, and the extra gold housekeeper (all-around, big winner version) will be calculated at the medium annual interest rate. The expected income of this product is as follows:
3 1 year's total survival income is 7 169 yuan;
The total income of survival at the age of 35 is 30 179 yuan (profit);
The total income of 40-year-old survival is 374.45 million yuan;
The total income of 50-year-old survival is 55907 yuan;
At the age of 60, the total living income was 86,890 yuan.
At the age of 70, the total living income is 14 1 150 yuan.
If you have any questions about annuity insurance with quick return in the short term, I'll stop here. I hope the unfinished business will help you.