1. Of course, it should also be noted that the daily interest rate marked by lending institutions and platforms is 0.05%, which does not mean that customers apply for loans. The daily interest rate must be 0.05%. After all, the loan interest rate is mainly determined according to the comprehensive evaluation results of the borrower, so the loan interest rate may be different when customers with different qualifications apply, depending on the page display. The daily interest rate of 0.05% can be simply understood as loan 10000 yuan, interest for one day in 5 yuan 1800 yuan and one year in 50 yuan 1800 yuan. Interest rates on such loans are still high. At present, the daily interest rates of many online lending platforms are rising. At this level, we must pay attention when lending.
2.0.05% daily interest rate can be converted into annual interest rate or monthly interest rate, and the conversion formula is: annual interest rate = daily interest * 360; Monthly interest = daily interest * 30-year interest = monthly interest * 12. Its monthly interest rate is equivalent to1.5%; The annual interest rate is equivalent to 18%. When borrowing money, we should pay attention to the following problems: the borrower should sign a loan contract with the debtor, and the contract content should be comprehensive. The agreed interest shall not exceed four times the market interest rate of one-year loan when the Contract is established. Ask the other party to provide a guarantee or ask a third party with certain economic ability to be its guarantor. If the loan amount is large, it can also be notarized through the notary office.
3. Agree on the repayment period and apply for the loan amount according to your own ability. When applying, borrowers should correctly judge their current economic strength and repayment ability, correctly and objectively predict their future income and expenditure, carefully determine the loan amount, loan term and repayment method, and design their own repayment plan income level according to the borrower's situation, leaving appropriate room. The more and more detailed mortgage banking services you choose, the more flexible and diverse personal financial services you will get, as well as a rich portfolio of services and products. For example, some banks have introduced a series of new measures, such as adjusting the loan term of borrowers, allowing borrowers to change their property, changing real estate rights and so on.
4. Choose the most suitable repayment method At present, there are basically two repayment methods for personal housing loans: equal repayment method and equal principal repayment method. Using the method of equal repayment, in addition to adjusting the interest rate, it is convenient to repay, but it is necessary to pay more interest; Average capital's repayment method is adopted, and the monthly repayment amount is gradually decreasing. The information provided to the bank should be true, and provide true proof of personal occupation, position and recent economic income. If you don't have enough repayment ability, but exaggerate your income level, you are likely to default at the initial stage of repayment. Bank investigation proves that you have provided false certificates, which will affect your income.