The loan interest of rural credit cooperatives varies according to the length of the loan. If the loan time unit is days, the expected annualized interest rate is monthly: loan interest = loan principal × loan time (days) × loan expected annualized interest rate/12; If the loan time unit is days, the expected annualized interest rate is: loan interest = loan principal × loan time (days) × loan expected annualized interest rate/. \ If the loan is 50,000 yuan and the loan is repaid within one year, what is the interest? For one-year repayment, the loan interest rate of rural credit cooperatives is 6.3 1%. A year is counted as 365 days. According to the calculation formula, if the loan time unit is days, the expected annualized interest rate is: loan interest = loan principal × loan time (days )× loan expected annualized interest rate /360\ The monthly interest rate is 50000× 365× 6.31%/360 = 31938.
How is the personal credit loan interest of Ping An Bank generally calculated?
The calculation method of personal loan interest rate of Ping An Bank is as follows:
Ping An Bank loans include short-term, long-term and individual housing provident fund loans. The annual interest rate of each loan is different. Taking10,000 yuan as an example, it can be calculated according to the following formula:
Loan interest 1 0,000 =10,000× annual interest rate× year. For example, the two-year interest on a loan of 1 ten thousand yuan = 10000× annual interest rate× years =10000× 5.25 %× 2 =1050 yuan.
Ping An Bank, the full name of which is Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by China Ping An Insurance (Group) Co., Ltd. and one of Chinese mainland 12 national joint-stock commercial banks. The registered capital is 565,438 yuan+23.35 million yuan and the total assets are nearly 65,438 yuan +0.37 trillion yuan. Its headquarters is located in Shenzhen, Guangdong Province.
China Ping An Insurance (Group) Co., Ltd. (hereinafter referred to as "China Ping An") and its holding subsidiaries hold about 2.684 billion shares of Ping An Bank, accounting for about 52.38%, and are the controlling shareholders of Ping An Bank.
There are 34 branches in China and representative offices in Hongkong. 20 12,1June, Shenzhen Development Bank, the predecessor of Ping An Bank, acquired Shenzhen Ping An Bank, a subsidiary of Ping An Insurance Group. After the acquisition, Shenzhen Development Bank was renamed as the new Ping An Bank, and the new Ping An Bank officially opened. On May 24th, 20 13, an official internal document was issued to announce the adjustment of the organizational structure of the Head Office. The first-level departments of the Head Office were reduced from 79 to 52, and three industry divisions, 1 1 product division and 1 platform division, were newly established or integrated.
By the end of June, 20 13, Ping An Bank's total assets 1826998 billion yuan, total deposits1175310 million yuan, and total loans (including discounts) were 7,864.84 million yuan.
20 13, 132 On the evening of 30 December, Ping An Bank announced that it had received a reply from China Securities Regulatory Commission, agreeing that the company would issue no more than13.23 million new shares privately, and Ping An Bank would complete this private offering within six months.
Calculation formula of personal credit loan
There is no formula for calculating the personal credit loan amount, and the bank will decide the loan amount according to the income certificate and other materials submitted by the user. Personal credit loan interest can be calculated by the formula: interest = loan principal loan interest rate time; Personal credit loans here can also use different repayment methods.
The loan interest rate generally fluctuates on the benchmark interest rate stipulated by the People's Bank of China. The benchmark annual interest rate of commercial loans for 20 19 years is: 1 4.35% for the period (inclusive), 4.75% for the period (inclusive) from/kloc-0 to 5 years, and 4.90% for the period above 5 years. Usually it will fluctuate 10% to 20% based on the benchmark interest rate.
When handling a personal credit loan, you need to be at least 18 to 60 years old, have a good personal credit report, explain the purpose of the loan, have a stable job and be able to repay the loan on time every month. General loans need to provide a guarantor. Finally, the borrower opens a current deposit account in a rural credit cooperative.
After submitting the application materials, the bank will review them, and the loan can only be obtained after the approval. After the bank pays, the borrower shall repay the loan according to the contract. In the process of repayment, there can be no overdue repayment, otherwise there will be penalty interest and overdue records will be uploaded to the credit information.
How to calculate the loan interest of rural credit cooperatives?
1. Look carefully, whether your contract is "paying interest with principal" or "paying interest quarterly". According to the current situation, interest is settled quarterly. The contract shall prevail. If the interest is settled quarterly. Your two months are 5000020.0096=960. . I shouldn't be interested in you. If you cheat your interest, the loan officer will die and his job will lose hundreds of thousands of benefits. You don't usually do this! If your contract is "interest will be paid with the principal", you can ask the credit union to modify your repayment method according to the contract. .
So much for the introduction of credit loan calculation.