Second, the description:
Your total loan is 240,000 yuan, and the monthly repayment is 2,800 yuan. Since the loan term and loan time are not specified, the interest rate is reversed according to the current benchmark interest rate of loans published by the People's Bank of China and the equal principal and interest repayment method, and the conclusion is drawn:
1, according to the latest benchmark loan interest rate published by the People's Bank of China, it is 4.9%, because the People's Bank of China allows banks to adjust themselves in a market economy, but the highest interest rate does not exceed 1.5 times, so it is concluded that your loan interest rate must be between 1 and 1.5 times of the benchmark interest rate.
2. Reverse your monthly repayment amount of 2,800 yuan, and the closest repayment amount this month is:
① The loan is 65,438+00 years, with an annual interest rate of 7.65,438+005% and a monthly repayment of 2,799,338+0 yuan. The annual interest rate of the loan is equivalent to 1.45 times of the benchmark interest rate.
② Loan 10 year, annual interest rate 7. 1 1%, and monthly repayment amount 2800.23 yuan. The annual interest rate of the loan is equivalent to about 1.45 102 times the benchmark interest rate.
3. According to the principle of bank loan, the annual interest rate of the loan is generally an integer multiple of the benchmark interest rate. Considering that the monthly repayment amount exceeds 2,800 yuan, it is impossible for the customer to repay only 2,800 yuan. So the final answer is:
The customer applied for a loan of 240,000 yuan, the loan term was 10 year, the annual interest rate of the loan was 7. 105%, and the monthly repayment amount was 2799. 1 yuan.