Hello, if it is a loan, the annual interest rate is generally around 5%. If the loan principal is 20,000 yuan, then the annual interest is 1000 yuan, as long as you repay the loan on time according to the loan contract.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

I. Review risks

The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links.

(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.

(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.

(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.

Second, the legal content of the pre-loan investigation

(1) Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is established according to law, whether it has the qualification and qualification to engage in relevant business, and check the business license and qualification certificate, and pay attention to whether the relevant certificate has passed the annual inspection or relevant verification.

(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Review whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

I want to borrow 20,000 yuan from the bank and pay it off in two years. How much do you have to pay back a year?

I. Repayment of equal principal and interest:

The total loan is 20,000 yuan.

The total repayment amount is 2 1, 004.57 yuan.

Pay interest 1004.57 yuan.

Number of months of loan: 24 months

The monthly repayment is 875. 19 yuan.

Two, matching principal and interest refers to the repayment of the same amount of loans (including principal and interest) every month during the repayment period.

The calculation formula of monthly repayment amount is as follows:

[Loan principal interest rate]/[(

How much can a loan of 3.8000 yuan be paid off in two years?

The total loan amount is 80,000 yuan, the benchmark annual interest rate is 4.900%, and the loan term is 2 years: the monthly repayment amount of principal and interest is 3506. 13 yuan, the total repayment amount is 84147./2 yuan, and * * the interest payable is 4 147. 12 yuan. The interest paid in 1 month is: 326.67; The first 1 month principal repayment amount is 3 179.46.

I want to borrow 20,000 yuan from the bank and pay it off in two years. How much do you have to pay back a year?

You can try to calculate it through our loan calculator. Log in to the lower right of China Merchants Bank official website and find the "Financial Calculator"-"Personal Loan Calculator" for calculation. (You can view information such as monthly payment, monthly principal, monthly interest, principal balance, total interest and total repayment).