1. The interest rates of different loan types of Ping An Bank are different. Evaluate the loan interest rates according to your comprehensive qualifications. For details, you can log in to Ping An Pocket Bank APP- Home-Loan to learn and try to apply.
2. Click the link below to open the loan calculator. According to the loan amount, term, interest rate and repayment method, interest and monthly repayment amount can be calculated.
Special reminder:
① This calculator adopts the benchmark interest rate for deposits and loans of financial institutions issued by the People's Bank of China;
② The calculation results are for reference only, subject to the actual interest rate of the banking system;
③ For your convenience, you can manually enter the interest rate for calculation;
④ For the listing interest rate of Ping An Bank, please visit the deposit interest rate table of Ping An Bank.
Response time: July 2, 2020. Please refer to the latest business changes announced by Ping An Bank in official website.
[Ping An Car Owner Loan] A car can be loaned up to 500,000 yuan.
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Bank of China loan interest rate calculator
Please pay attention to the official account of "Bank of China Micro-Banking" WeChat, select the function of "Microfinance-Function Hall-Financial Tools and Information Inquiry-Loan Calculator" in the menu below, and enter the calculation conditions according to the page prompts for inquiry.
The above contents are for your reference. Please refer to the actual business regulations.
Loan interest calculator 20 17
If you apply for a personal business loan in China Bank, the interest is calculated as follows:
Scheme 1: The RMB loan interest rate announced by the People's Bank of China is the benchmark interest rate, which can fluctuate appropriately according to the customer's situation and loan type. Please consult your local business outlets for details.
Scheme 2: You can search for "Bank of China Weizhong Bank" or "bocebanking" in WeChat official account through Tencent WeChat client, pay attention to and open the location information, and then use Weizhong Bank service to calculate interest.
Click on micro-service-financial tools in Weizhong Bank to find relevant calculation tools, including deposit calculator, loan calculator, investment calculator, exchange rate converter and other calculators (personal income tax).
The above contents are for your reference. Please refer to the actual business regulations.
Calculation formula of commercial loan and repayment
There are two repayment methods, interest and principal are calculated separately.
(a) equal principal and interest repayment method:
Matching principal and interest means that the monthly repayment amount is the same, and average capital means that the principal paid to the bank every month during the loan period is the same. Because the interest is decreasing month by month, the monthly repayment amount will be less and less.
1. Monthly repayment amount = [loan principal× monthly interest rate× (1interest rate )× repayment months ]=[( 1 interest rate )× repayment months]
2. Monthly interest payable = loan principal × monthly interest rate × [( 1 interest rate )× repayment months -( 1 interest rate )× (repayment month serial number-1)] ÷ [(1interest rate )× repayment months-650.
3. Monthly repayment of principal = loan principal × monthly interest rate ×( 1 interest rate) ÷ (repayment month serial number-1) ÷ [( 1 interest rate) repayment months-1]
4. Total interest = repayment months × monthly repayment amount-loan principal
(2) the average capital repayment method:
1. Monthly payment = (loan principal ÷ repayment months) (loan principal-accumulated amount of repaid principal) × monthly interest rate.
2. Monthly repayable principal = loan principal ÷ repayment months.
3. Monthly interest payable = residual principal × monthly interest rate = (loan principal-accumulated principal repayment amount) × monthly interest rate.
4. Declining monthly payment = monthly payable principal × monthly interest rate = loan principal ÷ repayment months × monthly interest rate.
5. Total interest = [(total loans ÷ repayment months ÷ total loans × monthly interest rate) total loans ÷ repayment months ×(65438+ monthly interest rate)] ÷ 2
6. Description of repayment months-total loan amount: monthly interest rate = annual interest rate ÷12154 =15×15 to the fourth power, that is,
Extended data:
O During the loan period, the borrower repays the principal and interest of the bank loan with the same monthly repayment amount.
O Borrowers can choose two ways: automatic deduction by computer or repayment by networked savings offices of loan banks, and repayment of loan principal and interest on a monthly basis;
5. Alteration or termination of the loan contract
O If the loan contract needs to be changed, it must be agreed by the loan handling bank, the borrower and relevant parties through consultation, and a change contract shall be signed according to law.
O If the borrower dies, is declared missing or loses capacity for civil conduct, and his heirs, guardians or legatees continue to perform the loan contract signed by the borrower, they shall sign a new loan contract and go through relevant formalities.
O After the borrower repays all the loan principal and interest as agreed in this contract, the collateral or pledge is returned to the mortgagor or pledger, and the loan contract is terminated.
China Agricultural Bank Personal Housing Mortgage Loan
Refers to the consumer loan business in which the borrower purchases the affordable housing designated by the Agricultural Bank of China, and uses the purchased housing as collateral to apply for a loan from the Agricultural Bank of China to pay part of the purchase price and repay the principal and interest on a monthly basis. The loan amount can reach 70% of the house price, the longest term can reach 20 years, and the interest rate is fixed for one year.