Which interest rate is higher, 360 IOU or credit card?
There are many ways to obtain loans on the market, mainly financial institutions and private financial companies. The bank's key financial information service is credit card large-amount loans. Compared with the loan interest rates of 360 IOUs and bank credit cards, the difference is not very big.
1. The official website of 360 IOU states that when a lender applies for a loan on 360 IOU, the minimum daily interest rate is 0.02 and the maximum daily interest rate is 0.06. Most lenders can apply for loans with an annual interest rate of 0.04-0.06. , the calculated annualized interest rate is 15-21.6.
2. The installment rates of various bank credit cards are somewhat different, but the installment rates of bank credit cards generally do not exceed 18.5. The smaller the installment payment, the greater the relative interest rate on bank loans.
3. From this comparison, if the borrower's qualification certificate is not very good and you apply for a loan at 360 IOU, the loan interest will need to be higher than the bill installment. If the lender has relatively good loan qualifications and applies for a loan at 360 IOU, the loan interest rate will generally not be higher than that of a bank credit card.
The estimated income of annuity insurance is stable. Generally, the dividend insurance rebate amount and time are confirmed when taking out the insurance and loaded into the policy. The safety factor is still relatively high. Currently, there are many annuity insurance products on the market, some are long-term and some are short-term. What are the short-term annuity insurances with quick return on capital?
Annuity insurance with short-term and quick profit time is suitable for people who have extra money in a short period of time. If the product makes profit faster, if the insured encounters an emergency during the insurance period, If you want to cancel the insurance, there will be no particularly large property losses. Because there are many such products on the market, Xicaijun can only give you a few examples.
1. 8-year annuity insurance
For example: Wenxinjinsheng annuity insurance
This is also an annuity insurance under the PICC Life Insurance Group, both of which are PICC Life Insurance 2021 One of the New Year products of 2019, it is suitable for people aged 28 days to 70 years old to purchase insurance. The guarantee period is 8 years, and the premium can be paid according to 3 years or 5 years. If a 30-year-old man buys insurance and pays more than 10,000 yuan a year, and the premium is paid for 5 years, the total capital investment is more than 50,000 yuan. The additional premium account (C) is calculated based on the medium annual interest rate. The total survival at the end of the insurance policy will be The income is as follows:
The total survival income at the end of 31 years old is 6,731 yuan;
The total survival income at the end of 36 years old is 50,642 yuan;
The total survival income at the end of 38 years old The total income is 55,850 yuan;
The total living income at the end of 40 years is 61,067 yuan;
The total living income at the end of 50 years is 95,582 yuan.
From the above we can It was learned that in the 6th year of the insurance policy, which is actually when the beneficiary turns 36, the total living income of the life insurance policy exceeds the premiums paid and makes a profit. Because of the addition of a universal account, if all the undisbursed dividend insurance is not deposited into the universal account, the expected long-term investment returns will be very generous.
2. 15-year or 20-year annuity insurance
For example: Huaxia Yuruyi Annuity Insurance Supreme Edition
This is also a product of Huaxia Life Insurance Group , suitable for insurance for groups from 5 days after birth to 70 years old. The insurance period can be 15 years or 20 years. The premium can be paid in single payment for 3/5/10 years. The minimum premium for single payment is more than 10,000 yuan, and the minimum for regular payment is Premium starts from 3,000 yuan.
If a man buys the Supreme Edition of Huaxia Jade Ruyi Annuity Insurance, he pays more than 100,000 yuan every year for 3 years, with a total capital investment of 300,000 yuan, and the insurance lasts for 15 years. Different age groups will be able to make profits in the 6th year, as detailed below :
The total income of a 0-year-old man in the 6th year of life is 310,504 yuan;
The total income of a 20-year-old man in the 6th year of life is 310,522 yuan;
The total income of a 30-year-old man in the 6th year of life is 310,517 yuan;
The total income of a 40-year-old man in the 6th year of life is 310,509 yuan;
The total income of a 50-year-old man in the 6th year of life is 310,483 yuan.
3. 20-year annuity insurance
For example: Huaxia Red Diamond Enhanced Edition
This product is insured by Huaxia Life Insurance and is applicable for 5 days after birth - If a group of 70 years old is insured, the insurance period is 20 years. The premium can be paid in a single payment for 3/5/10 years. The single payment starts from RMB 10,000 and the regular payment is RMB 3,000. If a 30-year-old man buys insurance, the premium is paid for three years, which is more than 10,000 yuan a year, and the total payment is 30,000 yuan. The insurance period is 20 years, and the additional premium manager (all-round, big winner version) is calculated based on the medium annual interest rate. The estimated income of the product is as follows:
The total income at the age of 31 is 7,169 yuan;
The total income at the age of 35 is 30,179 yuan (profit);
The total survival income at the age of 40 is more than 374.45 million yuan;
The total survival income at the age of 50 is 55,907 yuan;
The total survival income at the age of 60 is 86,890 yuan.
The total survival income at the age of 70 is 141,150 yuan.
That’s it for now on the issues related to annuity insurance with fast return on capital in the short term. I hope that the remaining issues will be helpful to everyone.