80,000 yuan, with monthly repayment for 3 years (36 months):

80000 * 6.4%/ 12 * ( 1+6.4%/ 12) 36/[( 1+6.4%/ 12) 36- 1].

Total interest: 2448.28 * 36-80000 = 8138.08.

Extended data:

Loan preferential interest rate:

The best lending rate (LPR) is the lending rate executed by commercial banks for their best customers, and other lending rates can be generated by adding or subtracting points on this basis. The centralized quotation and release mechanism of loan preferential interest rate is that on the basis of the quotation bank's independent quotation of the bank's loan preferential interest rate, the publisher is designated to calculate the quotation by weighted average, and the average quotation rate of the quotation bank in the loan preferential interest rate is formed and announced to the public. At the initial stage of operation, the preferential loan interest rate of 1 year was announced to the public.

By 20 19, taking China Development Bank as an example:

I. Short-term loans

1, six months (inclusive), with annual interest rate of 4.35%.

2. For half a year to one year (inclusive), the annual interest rate is 4.35%.

Second, medium and long-term loans

1, one to five years (inclusive), with an annual interest rate of 4.75%.

2. For three to five years (inclusive), the annual interest rate is 4.90%.

3. For more than five years, the annual interest rate is 4.90%.

According to the regulations of the People's Bank of China, the loan interest rates of various banks can float freely at present, so the loan interest rates of various loans of various banks will be different, and the interest to be paid for loans will be more or less.

The best lending rate.

How much interest exceeds is usury

At present, there are different definitions of usury in China. Usually, what we call usury refers to a loan whose interest rate is four times higher than the benchmark interest rate of the central bank during the same period. Whether the standard interest of usury exceeds 36% is the standard, that is, if the interest exceeds 36%, it is usury.

The Notice of the People's Bank of China on Banning Underground Banks and Cracking Down on Loan-sharking stipulates: "The interest rate of private personal loans shall be determined by both borrowers and borrowers through consultation, but the interest rate determined through consultation between the two parties shall not exceed four times (excluding floating) the interest rate of loans of financial institutions of the same grade in the same period announced by the People's Bank of China. Those that exceed the above standards should be defined as high-interest lending. "

Generally speaking, personal loans need to meet the following basic conditions:

1, at least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate;

2. Have a stable legal income and proof, and have the ability to repay interest;

3. When the loan business needs a down payment, it has the ability to pay the full down payment;

4. If the personal loan amount is large, the collateral conditions required by the bank shall be met;

5, such as credit loans, need to have a good reputation;

6. Other conditions meeting the requirements of the bank.