What I recommend is @ Sina. Please compare several standards of whether the bag company is legal and reliable. If it meets any of them, I suggest you don't touch it. Be careful!

1. Do you charge before you put the bag? If you ask for all kinds of fees before you get the bag, it's basically a lie.

2. Is it compound interest in accounting, that is, interest will naturally increase in the next few months, commonly known as "rolling interest". If so, there is definitely a problem.

3. The interest rate is higher than the national regulations. According to the regulations of the central bank, the interest of private purse loans cannot be higher than four times that of bank purses in the same period.

How much is the bank interest from 2.20 17 to 202 1?

What is the bank interest for 20 17~202 1? Take the bank interest of 20 17~202 1 as an example. I think the interest of other bank loans of 20 17 is around 4.5. The interest will be a little higher. By 202 1 year, the bank's interest rate should be around 3%. So the interest rate of 202 1 is not as high as that of 20 17. This is what I am now.

Third, the interest rate for buying a house with commercial loans is 20 17.

Benchmark interest rate of bank loans: the annual interest rate of loans from 0 to June (including June) is 4.35%, that of loans from June to June +0 years (including June +0 years) is 4.75%, that of loans from 3 to 5 years (including 5 years) is 4.75%, and that of loans from 5 to 30 years (including 30 years) is 4.90%.

What is the commercial loan interest rate of 4.20 17?

What is the commercial loan interest rate of 20 17?

Commercial loans are commercial loans used to supplement the working capital of industrial and commercial enterprises. Generally speaking, they are short-term loans, usually nine months, not more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans. So what is the commercial loan interest rate for 20 17 years? The following are the relevant answers I have compiled, and you are welcome to refer to them!

What is the interest rate of 20 17 loan to buy a house?

At present, the benchmark interest rate of commercial loans with a loan term of more than 5 years is 4.90%. Due to the policy of restricting purchases and loans, banks in different places have different preferential interest rates for the first home loan. The second home loan interest rate generally rose 10%.

During the same period, the benchmark interest rate of provident fund loans was 3.25%, and the interest rate of second-home loans generally rose 10%.

If the borrower's family (including the borrower, spouse and minor children) has determined the number of mortgage loans and has used provident fund loans or commercial loans to buy a house, the second suite is defined as the second suite.

Further reading: matters needing attention in purchasing commercial loans.

First, the choice of payment methods.

The difference between average capital and equal principal and interest.

Average capital: it means that the principal repaid every month is the same within the loan period. With less and less principal to be repaid later, there will be less and less interest in the future!

Matching principal and interest: that is, you don't have to repay the same principal and interest every month. This means that from the moment of loan, the monthly payment is the same every time!

1, the average capital repayment method is suitable for high-income people.

Under the method of equal principal repayment, the borrower can gradually reduce the burden with the increase of repayment period. This repayment method is to allocate the principal to each month and pay off the interest between the previous repayment date and the current repayment date.

Under the same conditions, the total interest paid by this repayment method is less than the equivalent principal and interest, and the repayment burden will be gradually reduced with the passage of time. However, because the interest is decreasing, the monthly payment in previous years will be higher than the equal principal and interest, which is very stressful, so this repayment method is more suitable for people with high income and low repayment pressure.

2. Matching principal and interest repayment method is suitable for people with stable income.

Matching principal and interest means adding up the principal and total interest of mortgage loan, and then sharing it equally every month during the repayment period.

As a repayment person, he pays a fixed amount to the bank every month, but the proportion is. The proportion of principal in monthly repayment increases month by month, while the proportion of interest decreases month by month. It can be seen that families with stable income and economic conditions do not allow excessive investment in the early stage can choose this method. 3. Some properties will introduce installment payment.

This is a good payment method for young people, college students who have just joined the work and some people who are short of money. Generally speaking, this repayment method allows customers to have a grace period of 1-5 years for customers who fail to pay the down payment. Five years later, with the increase of income and the consolidation of economic foundation, repayment will also be improved into a normal repayment method.

Second, the choice of loan term

The sum of the loan term and the borrower's actual age shall not exceed 65 years old. For example, a 40-year-old homebuyer borrowed money, and the signing date of the mortgage contract was 201April 3 15. Then, if the lender's actual birthday is before April 15, the longest term of his mortgage loan is 24 years; If the lender's actual birthday is on or after April 25th, the longest term of his mortgage loan is 25 years.

The choice of loan term should vary from person to person. Mainly consider three factors:

1. The longest possible mortgage loan term of the lender;

2, the lender's own situation, such as deposits, daily income and expenditure, repayment pressure, etc. ;

3. Pay moderate attention to the macroeconomic situation, such as the period when the economy cuts interest rates or raises interest rates. Generally speaking, if our own conditions permit, the loan term should be appropriately extended during the period of economic interest rate reduction; During the period of rising economic interest rate, the loan term should be shortened appropriately.

Third, the choice of loan amount.

When applying for personal housing loans, borrowers should make correct judgments on their current economic strength and repayment ability, and at the same time make correct and objective predictions on their future income and expenditure.

1 refers to the lender's own financial situation, such as savings, daily income and expenditure, repayment pressure, etc.

2. Pay moderate attention to the macroeconomic situation, such as the period when the economy cuts interest rates or raises interest rates.

3. Generally speaking, the loan ratio should be appropriately increased during the period of economic interest rate decline when its own financial strength allows; During the period of rising economic interest rates, the loan ratio should be appropriately reduced.

Fourthly, we should choose a good loan bank.

For borrowers, if you buy an existing house or a second-hand house, you can choose your own loan bank. The more and more services provided by mortgage banks, the more flexible and diverse personal financial services you will get, as well as a rich service and product portfolio. From the perspective of citizens, there is no doubt that the more choices citizens have, the better.

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