(1) The benchmark interest rate of car loan is as follows: 1, short-term loan for six months (inclusive) 5.60%, six months to one year (inclusive) 6.00%, medium-and long-term loan for one to three years (inclusive) 6. 15%, and three to five years (inclusive).

2. How much is the monthly loan of 60,000 yuan from China Merchants Bank for 36 installments?

1. The formula for calculating the monthly repayment amount of equal repayment is as follows:

Among them, monthly interest payment = residual interest rate;

Monthly repayment of principal = monthly repayment of principal and interest-monthly payment of interest.

2. The formula for calculating the monthly repayment amount of the average capital repayment method is as follows:

Among them, monthly repayment of principal = loan amount/repayment months;

Monthly interest payment = (principal-accumulated principal repayment) × monthly interest rate.

3. What is the principal plus interest for each installment of China Merchants Bank's 50,000 yuan car loan?

Borrow 50 thousand, 36 installments,

So,

The monthly repayment principal is 50,000 ÷ 36 =1388.89,

Plus the interest you agreed to? % × 50,000,

Is the money you should pay back every month.

All 36 installments have been repaid,

The sum of principal plus interest is,

50 thousand 36× monthly interest is equal to paying all the money back.

4. What are the interest rates of China Merchants Bank car loan 18 and 36 respectively?

1. The formula for calculating the monthly repayment amount of equal repayment is as follows:

Among them, monthly interest payment = residual principal × monthly loan interest rate;

Monthly repayment of principal = monthly repayment of principal and interest-monthly payment of interest.

2. The formula for calculating the monthly repayment amount of the average capital repayment method is as follows:

Among them, monthly repayment of principal = loan amount/repayment months;

Monthly interest payment = (principal-accumulated principal repayment) × monthly interest rate.

It depends on the interest rate and repayment method!

For example, 50,000 yuan, constant interest rate, one point, 36 installments,

1. Pay the interest first, then the principal. Pay interest first every month, 500 yuan. The 36th installment 18000, and finally the principal of 50,000 yuan will be repaid.

2. Divide it equally, and repay the interest of 500 yuan's principal /36= 1889 yuan every month. The interest remains unchanged at 18000 yuan, but the capital utilization rate is obviously far from the original interest rate.

Finally, the interest rates of banks are different, and the general benchmark of mortgage rises by 5-10% (about 7%).

Credit loan benchmark rises 10-30%(8%-1 min)