According to your first loan, the commercial loan in the average capital, the interest rate goes down 15%, the loan is 200,000, the repayment period is 15 years, the loan interest rate goes up by 4.9% on the basis of the benchmark bank loan interest rate, and the repayment method is equal principal and interest. The monthly repayment amount is 157 19 yuan. At the same time, under the condition of constant interest rate and other conditions, the interest paid by "equal principal and interest" repayment method will be higher than that paid by "average principal"
2. What's the interest rate of the light speed loan of China Everbright Bank?
Generally speaking, the choice of loan term, interest-bearing repayment method and loan interest rate should be made clear in bank loans, among which the loan interest rate is particularly important, because no matter how the loan is borrowed, interest is calculated. In view of the current interest rate situation in the loan market, 1. Choose the bank loan interest rate, that is, LPR interest rate or fixed interest rate. LPR interest rate refers to the benchmark interest rate in the loan market, which is obtained by the central bank according to the weighted average of independent quotations of several banks. It is marketable and will fluctuate with the bank quotation. In 2022, the LPR interest rate of new loans did not increase when the interest rate was converted. At present, the LPR interest rate of 1 year is 3.7%. The fixed interest rate refers to the benchmark interest rate of loans issued by the People's Bank of China, and the banks float the pricing within the prescribed range. At present, the benchmark loan interest rate of commercial banks 1 term is 4.35%. For comparison, it is suggested to choose 3.7% LPR interest rate. Second, the common way to choose interest-bearing repayment is equal principal and interest repayment, because the monthly principal payable under equal principal repayment is fixed, while the interest paid in the early stage is less under equal principal repayment, so the total interest paid by equal principal repayment is less than that paid by equal principal repayment. Comparatively speaking, it is recommended to choose equal principal repayment. Many people often take out loans for emergencies when their lives are in trouble. Baidu has money to spend: Du Xiaoman's micro-credit loan has a maximum amount of 200,000, a maximum loan period of 24 months, and an annual interest rate as low as 7.2%. The specific interest rate is subject to the loan page. Be able to borrow and repay flexibly, apply online all the time, without guarantee and mortgage. The results will come out in a few minutes at the earliest after submitting the application, and you can get the money on the same day after passing it.
How much is the ten-year interest of 32,000 yuan deposited in China Everbright Bank, and how to calculate it?
Project annual interest rate (%) 1. Urban and rural period: 0.300; 2. Periodic:1; Lump sum deposit and withdrawal: three months:1.000; Two years: 2.410; Three years: 2.750; Five years: three years. Principal interest: one year:1.520; 3.
4. What's the monthly interest rate of 200,000 yuan mortgage of China Everbright Bank?
Everbright Bank also does it according to the loan interest rate stipulated by the state. In order to prevent you from repaying the loan in advance, some banks will state in the loan agreement that if you repay the loan in advance, the lender will default.