The calculation steps are as follows: 1, loan interest of Baidu Money Loan = loan principal × daily annual interest rate× specific loan days, and the minimum daily annual interest rate is 0.02%, depending on the standards indicated on the borrower's review webpage.
2. Substituting into the formula, we can get the loan interest = 200,000 * 0.02% * 1 = 40 yuan, so the loan interest of 200,000 a day is about 40 yuan.
Warm reminder: If the loan of 200,000 yuan is a long-term loan, choose to calculate the interest repayment on a monthly basis. According to the repayment method of equal principal and interest or equal principal and interest, the loan interest is cheaper than the daily calculation, at least there is no need for the minimum daily interest 40 yuan.
Is it appropriate to buy a multi-year gold insurance at the age of 50? For example, a 50-year-old man has bought insurance, loves life and is willing to raise more. He invests more than 50,000 yuan every year, and pays the fee according to three years, totaling150,000. He will be insured for life and will receive dividend insurance from the age of 60. Details of the dividend insurance in this policy are as follows:
Beneficiaries can receive the annual payment of 123 10 from the age of 60.
At the age of 70, you can receive a total of 123 100 gold;
At the age of 80, you can receive a total of 233,890 gold;
At the age of 90, you can receive a total of 38 16 10 annuity;
100 years old, you can get 5047 10 years of gold.
This product has a high credit card quota and a good policy value. Although the policy value will gradually decrease from the time the dividend insurance is received, it will not be cleared until the insured dies or the protection expires, so the total income of this product is still quite good.
What problems should we pay attention to? 1. Configuration order: guarantee first, then invest in financial management.
Buy insurance, enjoy many years of retirement, and make a good overall plan for your old age. Only by grasping the present can you plan your life well.
Simply put, only when physical and mental health is guaranteed can there be a future. There is no point in investing in financial management.
The protection provided by general property insurance is very simple, and the symptoms are generally not covered.
However, at present, the treatment cost of serious illness is very high, and serious illness will also make customers terminate the payment of financial insurance.
Due to various factors, critical illness insurance, accident insurance and other basic guarantees can be directly provided, and then Yang Le multi-annuity insurance and other financial insurance can be considered.
2. Integrate the cost budget and define the effective investment amount.
The total investment that Yang Le can afford is 5,000 yuan, which can last for many years. The more we spend now, the more protection we will get in the future.
But we need to arrange the insurance coverage reasonably according to the current economic situation, which is correct.
3. Clear the disclaimer of new products
Most insurance wealth management products have disclaimers. If you know in advance, you can get better compensation and improve the probability of compensation.
The question of whether it is feasible to buy multiple annuity insurance for Yang Le at the age of 50 ends here. I hope the unfinished business will help you.