; ? There are many credit loan products in Alipay. In addition to the flowers and ants we often hear, there is also a product called China Merchants Bank Good Term Loan.
It is a personal consumption loan product jointly developed by China Merchants Bank and China Unicom. Because it is online in Alipay, it is known by many people. Since it is a loan product, there will be products with interest, so how to calculate the interest of a good time loan?
loan rate
According to official data, the annual interest rate of Alipay's good-term loan is 17.8%, which is equivalent to 0.0495% of the daily interest rate. The annual interest rate of 17.8% is equivalent to 9.75% of the annual interest rate of credit cards, but compared with bank loans, the interest rate of loans with good maturity is several times higher.
loan interest
The loan amount of a good-term loan is generally 2000- 1 10,000 yuan, with a maximum of 200,000 yuan. The loan term can be 3, 6, 12 months and can be repaid at any time. Different from borrowing money, interest is calculated on a monthly basis, and interest is calculated on a daily basis for repayment in that month. The repayment method is equal principal and interest.
Interest = loan principal x loan days x0.0495%.
For example, suppose Mr. Li borrows 5000 yuan for three months and repays it with the same principal and interest: if calculated according to the daily interest rate, he needs to repay RMB yuan every month, and the interest expense is RMB yuan. The borrower who successfully obtains the loan must repay it in full and on time. If the repayment is not made as agreed, there will be a penalty interest, and the penalty interest rate will rise by 50%.
How much is the interest of Zhilianhao time loan?
How to calculate the interest of Zhilian Good Loan? Zhaolian good loan interest is not high.
Zhaolian term loan bears interest on a daily basis, and the daily interest rate is about 0.045%. The interest of Zhaolian Finance 20000 is 3600 yuan a year. Calculation method: Take the daily interest rate of 0.05% as an example, and the annual interest is: 20000 * 0.05% * 360 = 3600 yuan.
Zhaolian Finance is a formal financial consumer company established by China Merchants Bank and China Unicom.
Zhilian financial loan is for credit investigation. Like only a few licensed consumer finance companies and banks in China, loans are subject to credit investigation.
There is no grace period for Zhaolian Finance. Users who repay after the repayment date are considered overdue. However, Zhaolian Finance may not upload overdue records in real time.
When everyone is short of money, I use no less than 10 for my own loan products. On the whole, I still recommend Xiaoqian (formerly known as Baidu Finance) for reasons such as ups and downs: 1. Compared with the invitation system of borrowing and micro-loans, I can apply for money on my own initiative. 2. The maximum amount is 200,000, the minimum annualized rate is 7.2%, and it takes 3 minutes to arrive, which is already very useful; 3, formal platform, don't worry about routines;
4. Generally, formal product audit is strict. Although it is easy to use, it is difficult to apply, and so is money. However, I am looking for the exclusive application channel required by internal personnel, and the payment rate is very high, so it is the most recommended product among the products. Now that I have recommended it to everyone, I will present the exclusive application channel together, and friends in need can apply for it themselves.
Just remember to use the flowers that you got the quota on the same day, otherwise the quota may be taken back. This has happened to some friends before, remember.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
There is another one: 360 loan is actually the anti-virus king Qihoo 360 online loan platform, which mainly provides pure credit loans for everyone. The amount is less than 200,000 yuan, the service period is between 1 and 12 months, and the daily interest rate can be as low as 0.027%. As a platform under the network security giant, 360 IOUs are still more reliable than ordinary platforms.
360 IOUs, with a maximum loan of 200,000!
Click online measurement
Three, "new one loan" is an unsecured RMB loan business owned or issued by Ping An Bank for legal consumption or business purposes other than house purchase. The information is complete, and the loan will be released within 1-3 working days.
The application threshold is low: you can apply for a monthly income of more than 4,000 yuan (car loan, mortgage, provident fund and insurance policy are the best), the amount is appropriate, and the repayment is flexible: the loan amount is 654.38 yuan +0. 1 10,000 to 500,000 yuan; The loan term is 12 months, 24 months, 36 months, and the excellent occupation can be as long as 48 months.
Ping An Xin Yi Dai Click Online Measurement
The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!
Excuse me, what is the loan interest of Zhaolian Good Term Loan?
1. The annual interest rate of Alipay Zhaolian Good Term Loan is 17.8%, and the annual interest rate of 17.8% is equivalent to 9.75 times the annual interest rate of credit card, but compared with bank loans, the interest rate of Zhaolian Good Term Loan is several times higher. The loanable amount of Alipay Zhaolian Good Term Loan is 2000-1 000 yuan, and the term is divided into 3 months, 6 months and 1.2 months. Repayment can be made in advance at any time or in installments. If there is no handling fee for early repayment, the repayment method is equal principal and interest. The repayment date of Alipay's time loan is the bookkeeping date.
2. The daily interest rate of the loan with good term is 0.045%, and the interest is loan principal x loan days x0.045%.
3. The minimum amount of each term loan of Zhilianhao is not lower than that of 500 yuan, and it supports installment in March, June, 12, 18 and 24 months; Equal principal and interest repayment; No platform service fee is charged;
4. Zhaolian Good Term Loan is an online loan business jointly launched by Alipay Zhaolian Company. The application requirement is that the sesame score is 700 or above. We know that the previous application requirement was that the sesame score was only 600 or above. Similarly, according to the different sesame credit scores, the loan amount that users can apply for ranges from 2000- 10000 yuan.
5. If your Alipay sesame score is above 700, the loan rating that users can apply for ranges from 2000 to 10000, mainly based on the sesame credit score. You can use mobile phone Alipay to check.
For more information about the loan interest of Zhilian Premium Loan, please visit: See More.