The maximum loanable amount of provident fund loans is three times the balance of provident fund deposits, that is, 300,000 provident fund loans can be loaned to 900,000.

What is the annual interest rate of the 300,000 loan?

For modern people, if they need money urgently, most people's first reaction is to choose "loan". Especially when a large sum of money is badly needed, loan is undoubtedly the fastest and safest way to get money. What's the annual interest on the 300,000 loan? Calculate according to the situation!

What's the annual interest on the 300,000 loan?

1, ordinary bank loan

The loan interest rate of each bank will be different, which is determined according to local policies and banking system. However, according to the benchmark loan interest rate published by most banks in official website, the one-year loan interest rate is basically above.

If the loans applied by users are ordinary bank loans such as decoration loans, credit loans and pure commercial loans, the interest rate of one-year loans that most users can apply for is basically between and. So suppose the user applies for a loan of 300,000 yuan, and after one year, the interest is basically between13050-14310 yuan.

The above is only a theoretical calculation method, and the loan interest rate that the user can finally apply for still needs the comprehensive evaluation of the bank before making a decision. Users with excellent personal qualifications will apply for a slightly lower loan interest rate. Users with poor personal qualifications will apply for higher loan interest rates.

However, according to the relevant regulations of the bank, no matter how high the loan interest rate is, it cannot exceed 24% of the central bank's benchmark interest rate.

2. Provident fund loans

If the user chooses the provident fund loan when applying for a loan, according to the regulations of the bank, the interest rate of the provident fund loan within five years (including five years) is 300,000 yuan for the user to apply for a loan, and the interest rate of the loan after one year is about 8,250 yuan.

The above is the sharing of the related content of "How much is the interest of the loan for 300,000 years", and I hope it will help everyone!

The loan is 300,000 yuan, with interest of 5%. How much is the interest for one year?

If it is annual interest rate:

300,000× 0.5 %×1=1.500 yuan;

300,000 yuan, with an annual interest rate of 5%, with interest of 1.500 yuan;

If it is a monthly interest rate:

300,000×/kloc-0 /× (0.5 %×12) =18,000 yuan;

1 0,000 yuan, with a monthly interest rate of 5% and interest of 1, 800 yuan;

If it is a daily interest rate:

300,000×/kloc-0 /× (0.5 %× 360) = 540,000 yuan;

300,000 yuan, with a daily interest rate of 5% and interest of 540,000 yuan.

300 thousand loan for 20 years, how much is the monthly payment?

According to the central bank's annual interest rate of 3.25% for provident fund loans for more than five years, the monthly contribution of 600,000 yuan for 20-year provident fund loans is as follows:

1, the repayment method of equal principal and interest is 300,000 yuan, and the monthly loan for 20 years is 3,403.38+07 yuan.

2. The average capital repayment method is 300,000 yuan. In the first month of 20 years, the loan is 465,438+025 yuan, and then it will decrease month by month.

Entrusted loan of housing provident fund (hereinafter referred to as provident fund loan) refers to the loan granted by the provident fund center to individual employees who meet the requirements stipulated by the provident fund center for the purchase, construction, renovation and overhaul of self-occupied housing. The operation process of individual housing provident fund loan is as follows: the lender applies-the handling bank conducts preliminary examination-the provident fund management department approves-the provident fund loan contract is signed-the mortgage, pledge, guarantee and other guarantee procedures are handled-the loan is issued-the data is filed-the loan is repaid-the loan is recovered-and the mortgage is cancelled by households.

Different provident fund centers have different application conditions for provident fund loans, mainly including:

1, with full capacity for civil conduct and legal and valid identity documents;

2, have the ability to repay the loan principal and interest;

3. Pay the housing provident fund in full and on time;

4. The down payment ratio meets the requirements;

5. Other conditions stipulated by the local provident fund management center.

How much is a monthly loan of 300 thousand for 20 years?

1, pure provident fund loan

The benchmark interest rate of a pure provident fund loan is 3.25%, the loan is 300,000 yuan, and the mortgage time is 20 years, so the total loan interest is 108380.95 yuan, and the monthly payment is 170 1.59 yuan.

2. Portfolio loan

According to the current property market, the interest rate of commercial loans over five years will generally rise by 10%.

Suppose the business 1.5 million, the accumulation fund 1.5 million, the loan of 300,000, and the mortgage time of 20 years. Total interest payment is 65,438+0,495,98.65 yuan, and monthly payment is 65,438+0,873.33 yuan.

3. Pure commercial loans

According to the current property market, the interest rate of commercial loans for more than five years 10% rises, with loans of 300,000 yuan and mortgages for 20 years. The total interest is 65,438+090,865,438+06.35 yuan, and the monthly payment is 2,045.07 yuan.

Extended data:

Matters needing attention

1. The information provided to the bank shall be true, the address and contact information provided shall be accurate, and the bank shall be informed of any change in time;

2. The loan purpose should be legal and compliant, and the transaction background should be true;

3. According to your repayment ability and future income expectations, choose the repayment method that suits you;

4. Apply for a loan amount according to your own ability. Usually, the monthly repayment amount does not exceed 50% of the total family income;

5. Read the terms of the contract carefully and understand your rights and obligations;

6. Repay on time to avoid bad credit records;

7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;

8. prepayment must be handled by communicating with the bank one month in advance.