1. If the interest-bearing period is a whole year (month), the interest-bearing formula is: interest = principal × years (months) × years (months) interest rate.
2. If the interest period has a whole year (month) and odd days, the interest formula is: interest = principal × number of years (months) × annual (month) interest rate+principal × odd days × daily interest rate.
Loan terms:
1, at least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate.
2, have a stable legal income and proof, have the ability to repay interest.
3. When the loan business needs a down payment, it has the ability to pay the full down payment.
4. If the personal loan amount is large, the collateral conditions required by the bank shall be met.
If you apply for a credit loan, you need to have a good reputation.
6. Other conditions meeting the requirements of the bank.