This is just a bank credit loan, which may not be guaranteed, but it also depends on your credit information, bank salary and credit card debt.
The answer is not easy, hope to adopt!
Second, the loan is 300,000 yuan, with interest of 5%. How much is the interest for one year?
I don't know whether you agreed on the daily interest rate, monthly interest rate or annual interest rate: 1. If it is annual interest rate: 30,000× 0.5 %×1=150 yuan; 30,000 yuan, with an annual interest rate of 5%, and interest 150 yuan; 2. If the monthly interest rate is 30,000×/kloc-0 /× (0.5 %×12) =1.08 million yuan; 30,000 yuan, the monthly interest rate is 5%, and the interest is 1800 yuan; 3. If the daily interest rate is 30,000×/kloc-0 /× (0.5 %× 360) = 54,000 yuan; 30,000 yuan, with a daily interest rate of 5% and interest of 54,000 yuan;
The amount of interest depends on three factors: principal, deposit term and interest rate level.
1. The calculation formula of interest is: interest = principal x interest rate x deposit term.
2. According to the provisions of People's Republic of China (PRC) State Taxation Administration of The People's Republic of China Guoshuihan [2008] No.826, personal income tax on savings deposit interest is temporarily exempted from June 5, 2008+10/October 9, so the interest tax on savings deposit interest is temporarily exempted at present.
As the use price of funds, interest plays a very important role in the operation of market economy, mainly in the following aspects:
1, the function that affects enterprise behavior
As the occupation cost of an enterprise, interest directly affects the economic benefits of the enterprise. In order to reduce costs and improve efficiency, enterprises should do everything possible to reduce the amount of capital, and at the same time compare the costs of various financing methods in the process of financing. If the enterprises in the whole society regard saving interest expenses as a common behavior mode, then the efficiency of economic growth will definitely improve.
2. Functions that affect residents' asset selection behavior.
With the increasing real income level and savings rate of China residents, asset selection behavior appears. The increase of financial instruments provides an objective basis for residents' asset selection behavior, and interest income is the main incentive for residents' asset selection behavior. Residents' departments attach importance to interest income and spontaneously produce asset selection behavior, which has an impact on macro-control and micro-foundation reconstruction. Judging from the current situation in China, the high savings rate has become a major feature of China's economy, which provides a solid capital base for the rapid economic growth. The various asset selection behaviors made by residents under the incentive of interest income have contributed to the realization of various macro-controls.
3, the function of influencing government behavior
Since interest income is closely related to the economic interests of deficit and surplus departments in the whole society, the government can also use it as an important economic lever to regulate economic operation. For example, if the central bank takes measures to lower interest rates, more funds will flow to the capital market, and when interest rates increase, funds will flow out of the capital market. If the government raises funds through credit, it can issue treasury bonds at an interest rate higher than the bank's deposit interest rate for the same period, and absorb private monetary funds into the hands of the government for various fiscal expenditures.
How much is the monthly repayment of 35 million 30-year mortgage?
Based on a loan of 5 million yuan for 30 years, the monthly repayment amount is about 26,000 yuan. Because the interest rate of each bank loan is different, I can only tell you a rough figure. If you want to get a detailed value, I suggest you search online, and then the page will provide you with a calculation method to get the detailed amount of your monthly repayment. In addition, when you make a loan, you must make a good budget, so as not to have so much money to pay back when you repay it, which will reduce your reputation and you will not be able to repay it on time, which will also increase interest.