200,000 yuan, 7,500 yuan per month, repayment in 36 installments, with total intention of about 270,000 yuan, principal of 200,000 yuan, interest of 70,000 yuan and annual interest rate of about 1 1.6%. If you take a car loan, the annual interest rate is relatively high, and the normal annual interest rate of a car loan is about 4-65,438+00.

2. How long is the 36th installment loan?

36 loan periods are usually 36 months, and the number of loan periods is determined according to the number of repayment periods. Usually 1 month 1 day, that is, one month is a repayment cycle.

According to Article 11 of the General Rules for Loans, the loan term. The loan term shall be determined by the borrower and the borrower through consultation according to the borrower's production and operation cycle, repayment ability and the lender's capital supply ability, and shall be specified in the loan contract. Generally, the term of self-operated loans shall not exceed 65,438+00 years, and those exceeding 65,438+00 years shall be reported to the People's Bank of China for the record. The longest discount period of bill discount shall not exceed 6 months, from the discount date to the maturity date of the bill.

Article 14 Calculation and collection of loan interest. Lenders and borrowers shall collect or pay interest on schedule according to the loan contract and relevant interest-bearing provisions of the People's Bank of China. When the loan extension period and the original term reach the new interest rate term grade, the loan interest will be charged at the new term grade interest rate from the date of extension. Penalty interest is charged for overdue loans according to regulations.

Extended data:

Article 32 of the general principles of loans: loan repayment. The borrower shall repay the loan principal and interest in full and on time in accordance with the provisions of the loan contract. The lender shall issue a notice of repayment of principal and interest to the borrower before the short-term loan expires 1 week and the medium-and long-term loan expires 1 month; The borrower shall prepare funds in time and repay the principal and interest on schedule.

The lender shall promptly issue a notice of overdue loan collection, and do a good job of overdue loan principal and interest collection. Lenders charge interest on loans that cannot be repaid within the time limit stipulated in the loan contract; If the principal and interest cannot be repaid or cannot be executed, it should be urged to repay or repay according to law. The borrower shall negotiate with the lender when repaying the loan in advance.