China Construction Bank's fast loan refers to a repayment method of China Construction Bank's fast loan, that is, within the borrower's loan term and credit line, the borrower can withdraw the credit line at any time, or repay it at any time without repayment on schedule. As long as the funds are sufficient, the repayment can be made at any time. Matching principal and interest repayment: that is, the sum of loan principal and interest is repaid by matching monthly. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same; Average capital repayment method: that is, the borrower repays the loan in every installment (month) during the whole repayment period, and at the same time pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month; Pay interest on a monthly basis, and repay the principal at maturity: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis; Repay part of the loan in advance: the borrower can repay part of the loan in advance when applying to the bank, which is generally an integer multiple of 1 000 or 1 000. After repayment, the loan bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged. The new repayment period shall not exceed the original loan period to repay all the loans in advance: the borrower can repay all the loans in advance when applying to the bank. Borrow and pay back: interest is calculated daily after borrowing, and interest is calculated daily. You can pay the money in one lump sum at any time without any penalty. The proportion of interest in the total loan funds within a certain period is the manifestation of the loan price. Namely: interest rate = interest amount/loan principal; Interest rates are divided into daily interest rates, monthly interest rates and annual interest rates. The lender determines the loan interest rate with the lending bank according to the benchmark interest rate and interest rate floating space announced by relevant laws and regulations of various countries. The benchmark interest rate is a universal reference interest rate in the financial market, and other interest rate levels or financial asset prices can be determined according to this benchmark interest rate level. Benchmark interest rate is one of the important prerequisites for interest rate marketization. Under the condition of interest rate marketization, financiers measure financing costs, investors calculate investment returns, and management regulates macroeconomics. Objectively, a universally recognized benchmark interest rate level is needed as a reference.
Second, CCB Express E loan, with annual interest rate of 6.3% and maturity date of 20 18. How to deduct the money, the interest is a * * * ...
The contract stipulates "fast loan", and the loan interest is calculated from the date of using the loan, and the interest is calculated according to the actual days of use. Only when the application and contract are successful, there is no loan and no interest.
Interest calculation formula: the amount used adopts the actual daily interest rate, where: daily interest rate = annual interest rate /360= monthly interest rate /30.
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3. What does CCB express loan mean?
The term "repayment with borrowing" in CCB's fast loan refers to the loan demand, and you can choose to cancel the credit line or return the loan you have already handled at any time. At present, CCB's fast loans can be borrowed and repaid through CCB's mobile banking. Supplementary explanation 1. If you make a quick loan at CCB, you will be penalized, and your personal credit will not be affected; 2. CCB's fast loan is calculated on a daily basis. If you borrow one day's money, you will pay one day's interest and the daily interest rate.
4. How to calculate the fast loan interest of CCB?
At present, CCB's fast loan includes several credit loan products, namely, fast e-loan, financing e-loan, pledge loan, car e-loan and wo e-loan. Their loan interest rates are all different, but they can all use the formula: principal × loan term × interest rate to calculate interest.
For example, if you apply for an express e loan with an annual interest rate of 7.2%, then the loan is 10000 yuan and the annual interest is 10000 yuan × 1 year× 7.2% = 720 yuan. Because Express E loan supports repayment on demand, the interest of prepayment is calculated on a daily basis, so if prepayment is required, the daily interest rate is 7.2%÷365=0.02%, and the interest after three months of borrowing is 10000 yuan ×90 days× 0.02% =180 yuan.
It should be noted that Wo E loan can only be borrowed for two periods at the longest, but its annual interest rate is 5.0025% a year. If you want to calculate the interest of Wo E loan, you can use the formula: annual interest rate ÷ 12 months to calculate the monthly interest rate, and then use the formula: monthly interest rate × principal × loan term to calculate the interest.
For example, if you borrow 10000 yuan for two months in Wo E, then the monthly interest rate is 5.0025%÷ 12 months ≈0.42%, and the interest rate is 0.42%× 10000 yuan ×2 months ≈84 yuan.