To apply for a loan from China Merchants Bank, you need to know the loan principal, loan term, repayment method and annual interest rate, and calculate the loan interest or monthly repayment amount. If the above information is confirmed, you can try to calculate it through our loan calculator. Log in to the lower right of China Merchants Bank official website and find the "Financial Calculator"-"Personal Loan Calculator" for calculation.
Loan100000 to buy a car for 3 years. How much is the monthly interest?
Equal principal and interest method:
Loan principal: 100000, assuming annual interest rate: 4.750%, loan term: 3.
year
The monthly repayment amount of principal and interest is:
2985.88 yuan, and the total amount of principal and interest is:
10749 1.68 yuan, * * * Interest payable:
749 1.68 yuan.
The interest paid in 1 month is: 395.83.
; The first 1 month principal repayment amount is: 2590.05:
Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)
What's the interest rate for car loans?
Under normal circumstances, the annual interest rate of loans within one year (including one year) is 5.6%, loans from one year to five years (including five years) are 6%, and loans over five years are 6.15%; Generally, the interest rate of bank car loans will go up, but it will be different without the bank floating up. Generally speaking, the interest rate of bank car loans should rise 10%-50% on this basis, and the buyers with specific interest rates should go to the local bank for consultation.
How much is the handling fee for buying a car with a loan?
There is a handling fee for the loan to buy a car. Banks or 4S stores will charge applicants a certain handling fee. Many applicants complain that they are charged high fees. It is reported that the handling fee for car loan includes compulsory insurance, vehicle and vessel use tax, commercial insurance and licensing fee. At present, the car loan fee is 3%, which is about 654.38+0 million yuan. However, there is no uniform standard for handling fees, and the regulations on handling fees vary from family to family. For example, many financial companies have launched interest-free car loans, although interest-free, but still have to charge a handling fee. Some financial companies don't charge fees. Relatively speaking, the bank's handling fee is lower than that of auto financing companies and 4S stores.
Loans to buy a car in a 4s shop generally require a handling fee. Because of the procedures of vehicle mortgage and insurance, the handling fees included in the loan are mainly compulsory insurance, vehicle and vessel use tax, commercial insurance and license fee. In terms of commercial insurance, there are no relevant mandatory regulations, but 4S stores often require car buyers to buy them.
How much is the interest of Alipay loan for 200,000 years? Use this to calculate!
In the Internet industry, online lending has become one of the new outlets, and even Alipay can handle loans for everyone. Then, what is the annual interest on a loan of 200,000 yuan from Alipay? Today, through some Alipay loan platforms, let's talk about Alipay's annual interest of 200,000.
The interest rate is very low. quick
The loan platforms to be exemplified here are Lending Bao and Zhaolian Finance. Details are as follows:
borrow
Borrowing is Alipay's own loan platform, which requires a very good comprehensive credit to reach a credit line of 200,000. The daily interest rate of the loan is about, calculated on a daily basis.
For example, if you borrow 200,000 yuan, the annual interest will be 200,000×× 365 = 21.900 yuan. However, with the gradual repayment of the principal, the actual interest paid by everyone is far less than 2 1.900 yuan. Click to enter the loan calculator to calculate the loan interest accurately.
Zhaolian finance
Zhaolian Finance is also the life number of Alipay loan, which can provide cash loans and help people spend by stages, with a maximum amount of 200,000.
(1) The cash loan of Zhaolian Finance also calculates the loan interest on a daily basis, and the calculation method of the loan interest of 200,000 yuan is the same as borrowing money.
(2) Zhaolian Finance will repay the loan in installments on a monthly basis, with an interest-free period of up to 40 days. In other words, interest does not need to be paid within 40 days from the loan date, and interest will be calculated after 40 days.
For example, apply for a loan of 200,000 yuan from Zhaolian Finance for installment consumption, with a monthly interest of 1%, and the interest for the next year will be RMB.
Generally speaking, the interest of Alipay loans for 200,000 years is much higher than that of bank loans.
5 Alipay loan WeChat official account Alipay has such a powerful function!
What are the Alipay loans that can be repaid on 20 18? Do you know all eight of them?
What is the loan interest rate and how to calculate it?
(1) The interest rate conversion formula for RMB business is (note: common for deposits and loans):
1, daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷30.
2. Monthly interest rate (‰) = annual interest rate (%)÷ 12.
(two) banks can use the product interest method and the transaction interest method to calculate interest.
1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is:
Interest = cumulative interest-bearing product × daily interest rate, where cumulative interest-bearing product = total daily balance.
2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:
If the interest-bearing period is a whole year (month), the interest-bearing formula is:
① Interest = principal × year (month )× year (month) interest rate
If the interest-bearing period is a whole year (month) and days, the interest-bearing formula is:
② Interest = principal × year (month) × year (month) interest rate principal × odd days × daily interest rate.
At the same time, banks can choose to convert all interest-bearing periods into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is as follows:
③ Interest = principal × actual days × daily interest rate
Extended data:
According to the general principles of loans:
Article 13 Determination of loan interest rate:
The lender shall determine the interest rate of each loan according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China, and specify it in the loan contract.
Article 14 Calculation and collection of loan interest:
Lenders and borrowers shall collect or pay interest on schedule according to the loan contract and relevant interest-bearing provisions of the People's Bank of China.
When the loan extension period and the original term reach the new interest rate term grade, the loan interest will be charged at the new term grade interest rate from the date of extension.
Penalty interest is charged for overdue loans according to regulations.
Fifteenth loan interest:
According to the national policy, in order to promote the economic development of certain industries and regions, the relevant departments can subsidize the loan interest.
Loans subsidized by relevant departments shall be independently approved and issued by the undertaking bank, and strictly managed in accordance with the relevant provisions of these General Rules.
Article 16 Suspension, reduction, extension and interest-free of loans:
Except for the decision of the State Council, no unit or individual has the right to decide to stop, reduce, postpone and interest-free. The Lender shall specifically handle suspension, reduction, deferment and interest-free according to the decision of the State Council.