The car loan of 0.000000 yuan in 65438+60 installment is still 1 1.69 1.67 yuan for one month. 654.38+ten thousand yuan is divided into 60 installments. Calculated by the annual loan interest rate of LPR4.60%, the total interest is * *1.67 yuan, and the total repayment is 1 1.69 1.

How much is the car loan of 654.38+ 10,000 yuan divided into 36 installments every month?

CCB car loan 65438+36. How much is the principal and interest paid together every month?

Matching principal and interest method: loan principal: 65,438+000,000, assuming annual interest rate: 4.750%, loan term: 3 years, monthly repayment amount of principal and interest: 2,985.88 yuan, total repayment amount: 65,438+007,496,5438 yuan, * * interest payable: The interest paid in 1 month is: 395.83; The first 1 month principal repayment amount is: 2590.05; Since then, the monthly interest repayment amount has decreased and the principal has increased.

What conditions does the loan need to meet?

1, at least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate;

2. Have a stable legal income and proof, and have the ability to repay interest;

3. When the loan business needs a down payment, it has the ability to pay the full down payment;

4. If the personal loan amount is large, the collateral conditions required by the bank shall be met;

5, such as credit loans, need to have a good reputation;

6. Other conditions meeting the requirements of the bank.

Which is more cost-effective for bank loans, interest first, principal later or equal principal and interest?

1. Interest comes first, which is suitable for users with high repayment pressure and less funds in the early stage. It means that the borrower repays the loan principal in one lump sum on the loan maturity date, and the interest is repaid on a monthly basis;

2. Matching principal and interest means that the borrower pays the same amount every month, including principal and interest. The monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled every month.

What if the bank loan is not repaid?

1. The bank will take certain collection measures. In the initial telephone notice, if the loan is really not paid, you can explain your actual situation to the bank and try to apply for an extension, which depends on different bank regulations;

2. The extension will be regarded as negative information in the credit report, indicating that there are some problems with your repayment ability, but it is still better than the overdue situation.

3, overdue for more than 90 days, if the circumstances are serious, it can be regarded as malicious overdue, and bank collection may also cause life pressure for yourself and your family, affecting the normal life of individuals and families;

4. In terms of overdue fees, there will be some fees such as liquidated damages and penalty interest, which need to be collected according to the contract. Different institutions and different loan products charge different liquidated damages or penalty interests;

5. It has an impact on personal credit records, and bad credit records become the resistance of mortgage loans such as round loans and credit card processing;

6. If the loan has not been repaid, and the loan has not been repaid after the execution of the judgment, it can be reported to the Supreme People and entered into the "list of people who have broken their promises", which is also commonly known as the "Lao Lai list", and it is forbidden to travel by high-speed rail.

How much is the interest of 65438+ million car loan for 3 years?

Although the loan interest rate for 1-3 years stipulated by the People's Bank of China is 4.75%, all banks can fluctuate on this basis, and many auto companies will launch their own financial installment products with different interest rates. We calculate at an annual interest rate of 4.75%, and the monthly repayment amount varies according to the equal principal and interest and the average capital. Average capital: the monthly repayment of principal is fixed, but the interest is not fixed. The interest on the principal repaid every month is reduced. The repayment is required to be 3 173.6 1 yuan in the first month, and then it will be reduced by 1 1 yuan every month. Finally, the total interest is 7,322.92 yuan, and the principal is 6,543,800 yuan. Matching principal and interest: the principal and interest are fixed every month, and the monthly repayment amount is 2985.88 yuan. The total interest to be paid is 749 1.6 1, and the principal is 654.38 million yuan. Generally speaking, these are the two repayment methods, because at the same time of repayment, the money we owe to the bank is also decreasing, so the interest we bear will also decrease, and the interest will be shared every month according to different calculation methods. All the above are calculated according to the bank's benchmark interest rate. 4s stores and car companies will have different discounts on car purchase interest rates. You can calculate by calculators with different repayment methods according to the actual situation. The principal of RMB 654.38+10,000 Yuan is calculated as interest, and the total interest will not exceed RMB 1 10,000 Yuan, and the monthly repayment amount is about RMB 3,000 Yuan. Friends who need to buy a car can contact the 4s shop in advance to inform the loan interest rate, and the car is being calculated to prevent other expenses from being mixed in.

How much is the interest of 65438+ 10,000 yuan in the 36-phase second-hand car loan?

Take the 3-year interest of 65,438+10,000-car loan as an example. Assume that the loan interest rate of 1-3 years (including 3 years) announced by the People's Bank of China is 4.75%, and the interest of ordinary loan is 65,438+10,000-car loan = 65,438+4.75% 3 =14,250 yuan.

The 36-period interest of 10 is repaid according to the equal principal and interest. The loan principal is 10000 yuan, with an annual interest rate of 4.75% and a loan term of 3 years. The monthly debt service amount is 2985.88 yuan, the total repayment amount is 65438 yuan +0074965438 yuan +0.68 yuan, the total interest payable is 74965438 yuan +0.68 yuan, and the interest paid in the first month is 395.83 yuan.

Second-hand car loan, that is, second-hand car mortgage loan, refers to the loan issued by commercial banks to individual borrowers to buy second-hand cars for consumption and use the purchased cars as collateral for loans. Second-hand cars have great development potential in China. Many people need second-hand cars very much because of their limited economic ability or just for practicing or transitional use.

Since 2008, China automobile market has entered the fast lane of development. In just five years, China automobile market has changed from a big automobile consumption country to the largest automobile production and sales country in the world. According to the time for changing cars after five years' use, the car market in China will gradually enter the car changing tide in the next few years.

The used car market will also change from building consumer confidence to serving consumers. A second-hand car trading market in Zhongshan, together with six banks, officially launched the installment payment business for second-hand car consumption to the public. This means that citizens can buy used cars through car loans. The second-hand car loan business finally broke the ice.

The materials required to apply for a loan include: car buyer's ID card, household registration book, housing certificate, income certificate (monthly income must be twice the monthly repayment amount), two one-inch recent photos, car buyer's marriage certificate and spouse certificate (if married).

First of all, the bundled cooperation with the used car market has greatly reduced the risk of non-performing loans. The guarantee company enters the market and has a fixed business place. Vehicle evaluation and transaction audit are carried out for professional companies that have passed the market, especially for the quality status and process of used cars, and medieval evaluation company is designated as the only partner, which eliminates the damage caused by "false evaluation" from the source, greatly improves the accuracy of evaluation, and is very effective for bank risk control.

Secondly, the loan profit is low but the scope is relatively narrow. According to the money search. Com, used car loans are mainly for used cars with a total value of 800,000-800,000, and they must be domestic cars. This delimits the scope to some extent. At present, some potential models with loan demand are excluded, and there are certain reasons for this consideration in the early stage of development. In the market survey, many used car companies expressed their understanding and hoped that with the business development, the risks would be well controlled and the scope would be expanded.

Finally, the loan period is as long as three years, which controls the generation of non-performing loans to some extent. Because the total price of vehicles is relatively cheap, the repayment pressure of users is not great, and the interest rate borne by loans is relatively low. In addition, both companies indicated that they have effective non-performing loan control and management systems, but the approval time is 5-7 working days, which may affect the rapid development of their business.

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