Depending on the term of personal loan and the bank of loan, the loan term and the bank of loan have different loan interest.

Interest = principal × interest rate× loan term

As the individual said, the loan is 200,000 yuan, the monthly interest rate is 0.7 1%, and the monthly interest payable is

2000000.7 1% 1 month = 1420 yuan.

The annual interest rate is 0.71%12 = 8.521%.

Borrow 200,000 yuan, term 1 year, annual interest rate of 8.52 1%, and annual interest of 200,000 yuan.

8.52 1% 1 year = 17042 yuan.

What is the annual interest on a loan of 200,000 yuan?

For modern people, loans have become a very common thing. There are many things in people's lives that need to rely on loans. For example, buying a house requires a mortgage, and buying a car can go to the bank to apply for a car loan. A friend asked, how much is the interest on the loan for 200,000 years? Calculate according to the situation!

What is the annual interest on a loan of 200,000 yuan?

1, bank loan

If the lender applies for a loan of 200,000 yuan in the bank, the bank's one-year loan interest rate should not exceed 24% of the national benchmark interest rate, that is, according to the memory of this interest rate, the lender applies for a loan of 200,000 yuan in the bank, and the annual interest is about 8,700-9,540 yuan.

However, the loan interest rate of each bank is different, and the loan type chosen by the lender is different, and the loan interest rate finally applied for will be different. For example, the interest rate of car loans is usually higher than that of credit loans, and the interest rate of decoration loans is usually higher than that of credit loans.

Step 2: Mobile phone

The interest rate of mobile phones in the market is generally higher than that of banks, which is about 24%-36% higher than the benchmark interest rate. The annual interest rate of many small loan software is around 10%-20%. For example, Alipay's loan, the general annual interest rate is around.

In this way, if the lender applies for a mobile phone, then the loan is 200,000 yuan, and the annual interest is about 20,000-40,000 yuan.

If the repayment method adopted by the lender is average capital, other methods are needed to calculate the loan interest rate. Generally speaking, the annual interest of a loan of 200,000 yuan still needs to be calculated according to the actual situation.

The above is the related content sharing of "How much is the interest of a loan of 20. 1 10,000 years", and I hope it will help everyone!

What is the annual interest on a loan of 200,000 yuan? Calculate according to the situation!

The specific interest rate of decoration loan is actually related to many factors, such as the city where it is located, the bank it chooses and so on. The interest rate of decoration loan products of banks generally fluctuates on the basis of the benchmark interest rate of the central bank, and different banks set interest according to this system. The annual interest rate of the loan term is about 5.6% for less than one year and about 6% for one to five years. If the loan term exceeds five years, the required interest is about 6. 15%.

How many years can I borrow a decoration loan?

I. Detailed Rules for Decoration Loan of China Construction Bank

1. Loan target: 18 to 60 years old China citizens with full civil capacity;

2. Loan amount: the starting point of the loan is RMB 5,000 (including RMB 5,000), and the maximum is RMB 654.38+RMB 500,000 (including RMB 654.38+RMB 500,000);

3. Loan term: the shortest half year and the longest not exceeding 5 years (including 5 years);

4. Loan interest rate: the loan interest rate for the same period stipulated by the People's Bank of China shall apply;

5. Guarantee method: pledge, mortgage and qualified third-party natural person guarantee recognized by CCB.

Two. ICBC Decoration Loan Rules

1, with urban permanent residence or valid residence status;

2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;

3. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;

4. There is a house renovation contract, decoration budget and related materials signed with the decoration enterprise approved by the competent department;

5, with no less than 50% of the total decoration budget of its own funds, and before the use of loans into the project construction;

6. Loan term: the longest loan term shall not exceed 10 year (including 5 years);

7. Other conditions stipulated by the bank.

Before, I also needed business turnover. I used several products. In fact, every small loan platform has an internal application entrance, with low interest, convenient payment and high quota! Scan the code below to enter the QR code!

The loan is 200,000 yuan, and the daily interest rate is 0.03%. how much is it for a day ?

The interest for one day is 60 yuan.

According to the meaning of the question, the loan principal is 200,000 yuan, and the daily interest rate is 0.03%.

According to the formula, daily interest = daily interest rate of principal.

Substituting the data in the question, we can get the formula:

Daily interest =2000000.03%=60 yuan.

Extended data:

Monthly interest rate = daily interest rate ×30

Annual interest rate = monthly interest rate × 12

Interest = interest product × daily interest rate

Interest (year) = principal × annual interest rate (percentage) × deposit period

Or interest = principal × interest rate× time

Deposit interest = principal x days x listing interest (daily interest rate) = interest-bearing days x daily interest rate

Interest tax = deposit interest (income tax payable) × applicable tax rate

The amount of interest depends on three factors: principal, deposit period and interest rate level.

The calculation formula of interest is: interest = principal x interest rate x deposit term.

According to People's Republic of China (PRC) State Taxation Administration of The People's Republic of China Guoshuihan [2008] No.826, since June 9, 2008, personal income tax on savings deposit interest is temporarily exempted, so the interest tax on savings deposit interest is temporarily exempted at present.

What is the annual interest on the loan of 200,000 yuan?

Please pay attention to the official account of "Bank of China Micro-Banking" WeChat, select the function of "Microfinance-Function Hall-Financial Tools and Information Inquiry-Loan Calculator" in the menu below, and enter the calculation conditions according to the page prompts for inquiry.

The above contents are for your reference. Please refer to the actual business regulations.

What's the interest on a 200,000 loan for one year?

Take 9% interest as an example: the loan is 200,000 yuan, and the interest for one year is 1800 yuan.

According to the question, the loan principal is 200,000, or 200,000.

9% interest, that is, the annual interest rate =0.9%.

According to the formula, annual interest rate = annual interest rate of principal.

Substituting the data in the question, we can get the formula:

Annual interest =2000000.9%= 1800 yuan.

So you have to pay 1800 yuan interest every year.

Extended data:

1, lump-sum deposit and lump-sum withdrawal, lump-sum deposit and lump-sum withdrawal, deposit and interest withdrawal, 200,000 yuan in other banks except the Postal Savings Bank, with annual interest of 2,700 yuan, 3 100 yuan, 3 100 yuan respectively, and one year, three years and five years in the Postal Savings Bank.

2. For agreed deposits, the interest rate of other banks except China Construction Bank is 1%, and the annual interest of 200,000 yuan is 2,000 yuan;

3. Notice deposit: The notice deposit of six state-owned banks is 0.55% for one day and 1. 1% for seven days, so the deposit is 200,000 yuan, and the annual interest is 1 100 yuan and 2,200 yuan respectively.