You can't work out the monthly interest rate with a calculator, not even the people in the bank. They have special software to do it. However, if the monthly payment is generally calculated, the monthly payment is 10000 yuan. If you borrow 65,438+06,000 yuan for 65,438+00 years, you only need to use 65,438+06× 65,438+002 yuan every month. 102 is the monthly payment of10,000 (102 is the monthly payment after the current interest rate is lowered by 30%, the interest rate is not fixed, it is stipulated by the state, and then the bank's own policies are stipulated by the state, so every bank will be different. ) If it is not 10, its number will not be 102. The bank gives you the same calculation every month. This is the "equal principal and interest" method. There is also the "average capital" method, which is characterized by decreasing month by month. However, at the beginning, you will be under more pressure. If you have enough economic strength, in fact, the "average capital" loan method is more cost-effective!
2. How to inquire about the personal commercial loan interest rate of BOC?
China Bank's personal commercial loan interest rate inquiry: You can consult China Bank outlets or call China Bank's customer service hotline 95566 for consultation. Tip: 1. When providing personal loan services, BOC will comprehensively consider the regulatory requirements, borrower qualifications, loan purposes, guarantee methods, business costs and other factors to reasonably determine the final interest rate of loans; 2. Because the above factors are quite different among different loan products, the corresponding loan interest rates are also different; 3. All loan types have benchmark interest rate, preferential interest rate and floating interest rate. When you apply for personal loan products of China Bank, the loan interest rate should be consulted in detail with the local China banking institution. The above contents are for your reference. Please refer to the actual business regulations.
3. How to calculate the loan interest rate of ICBC's personal commercial housing loan?
Industrial and Commercial Bank of China's personal commercial housing loan interest rate: The personal commercial housing loan interest rate shall be the same as that stipulated by the People's Bank of China. If the loan term is less than one year, the interest will be calculated at the contract interest rate. If the legal term is more than one year, the new interest rate level will be implemented at the beginning of next year according to the corresponding interest rate grade.
Fourth, how to see if it is lpr from the mobile banking app?
How to see if it is lpr from the mobile banking app? First, open the mobile app of China Construction Bank.
2. On the homepage of CCB APP, open the loan;
3. On the loan page, open my loan;
4. Enter my loan page, select the specific mortgage record and view the details;
5. Enter the mortgage details page to display the pricing benchmark of LPR; You can know the LPR interest rate.