China Life's policy loan has an annual interest rate of 5.6%, and half a year is a loan cycle. You can come to the company once every six months to settle the interest and the principal can continue to be used. The procedure is simple and the account can be received quickly. Applicants need to bring their ID cards, insurance policies and bank accounts to the counter of the insurance company. %%%%%% I called 955 19 for consultation, and you have to pay back 550 this half year. It's too cheap, I can only say that ~

2. What is the interest of China Life Personal Loan 1 10,000 yuan for 6 months?

20 thousand yuan, two years, how much interest should I give?

3. What is the interest of China Life Personal Loan 1 10,000 yuan for 6 months?

How much is the interest of China Life Loan for 56,000 months?

4. What are the ways of personal loans in Shenyang? How much is the interest?

1. Bank personal consumption loan

Almost every commercial bank has consumer loans with a loan amount of 654.38+10,000 yuan and a term of 1 year, accounting for% of the whole bank, which can support various purposes, such as marriage, education, decoration and car purchase. Some consumer loan products launched by banks belong to pure credit.

pay attention to

1) After the personal consumption loan is approved, the bank loan will not be transferred to the individual and will be paid to the merchant. For example, the loan is used for decoration, and the bank directly transfers the money to the decoration company account.

2) If you borrow money to buy a car, it is recommended to directly lend the product by buying a car, and the special interest rate is lower than the personal consumption loan interest rate; Some car dealers sometimes discount interest, and the interest borne by individuals will be lower.

3) The longest term of consumer loans is generally not more than 5 years.

Advantages support multi-purpose.

Disadvantages: loan speed.

Step 2 pay by credit card

If the credit card is used to pay the consumption amount of 6,543,800 yuan, the borrower is generally required to have more than 500,000 assets in the bank (including certificates of deposit and bank property management):

Interest-free period: credit card up to 5. If you spend 6,543,800 yuan by credit card, you can pay it back within 56 days after consumption, which is the most ideal state, because you don't need to pay interest.

Installment: If RMB 6,543,800+can't be fully paid off within the interest-free period, it is recommended to use the renewal premium in installments (which is also disguised interest). According to the repayment period, the handling fee is different. Taking China Bank as an example, the credit card installment fee is: 3 installments: 654.38+0.95%; 6 periods: 3.60%; 9 issues: 5.40%; 12: 7.20%; 18: 1 1.70%; 24 issues and above: 15% (

Credit card installment payment should pay attention to the following:

1) Not everyone can have a credit line of 65438+ 10,000 yuan. Generally, for people with platinum cards and above, the credit card limit may be 654.38+10,000 yuan.

2) When spending by credit card, it should be noted that some merchants do not support one-time credit card swiping and credit card swiping. In these two cases, payment can only be changed to transfer and cash withdrawal, and some bank credit cards do not support transfer. Even credit cards that can transfer money will charge a handling fee, which is generally the same as the withdrawal fee of credit cards (the withdrawal fee is generally 65438+ 0%-3% of the withdrawal amount).

3) Credit card limit cannot be used for investment, such as buying stocks and buying houses. Can only be used for consumption

Advantages: You don't need collateral, you can borrow money from the bank with personal credit, which reduces the pressure of one-time repayment.

Disadvantages: failure to repay on time will not only affect personal credit, but also have a negative impact on future loans.

3. Pawnshop loan

There are two types of loans.

Mode 1: Sell your belongings to a pawnshop and get 65,438+10,000 yuan in cash.

Method 2: Get a loan of 654.38+10,000 yuan from the pawnshop with the mortgage of your own belongings, store the belongings in the pawnshop during the repayment period, and then take them away from the pawnshop after the loan is paid off. It can be used as collateral for precious metals, high-end digital products, real estate, automobiles and luxury goods.

Loan interest rate: Take Huaxia Pawnshop (the earliest pawnbroker in Beijing, one of the largest pawnbrokers in China) as an example, take the car as a mortgage loan of 654.38+ million, and pay 3.5% interest fee (interest handling fee) to the pawnbroker every month; If the real estate is used as collateral, the monthly interest rate is 2.5%, and if it is other items (such as precious jewelry), the monthly interest rate is 4.5%.

Advantages: short-term capital demand is met, loan speed is fast, pawnable items are various, and pawning procedures are simple.

Disadvantages: high interest rate, not suitable for loans with a term of more than 6 months.

4. Company

Loan interest rate: According to the regulations, the company's interest rate pricing range is 0.9-4 times of the current benchmark interest rate stipulated by the People's Bank of China, and the specific interest rate depends on the loan purpose, term and guarantee method.

Guarantee method: through the company, it is generally necessary to provide guarantee, such as real estate (real estate under the name of the company or individual, etc.). ), chattel mortgage or pledge (vehicles, machinery and equipment, accounts receivable, inventory, etc. ), pledge of rights (insurance policy, equity pledge, lease right pledge), guarantor, etc. Few companies do this business, even if there are loan companies that have this business, the requirements for borrowers are very strict.

Advantages: the company's guarantee form is flexible, and it can quickly lend money to eligible borrowers.

Disadvantages: the interest rate is higher than the bank interest rate, which is suitable for short-term liquidity demand within 6 months.

5. Insurance policy loans

If the borrower already has commercial insurance, he can borrow money from the insurance company, and the maximum amount can be 80% of the cash value of the policy. The interest rate is the same as the bank's six-month loan interest rate (at present, the annual interest rate of the bank's six-month loan is 5.6%). As long as the policy payment is valid, the loan can be renewed by repaying the principal and interest every time it expires, and each renewal is also 6 months. If the interest is not paid within six months, the interest will roll into the loan principal, and then it will be automatically renewed for another six months. Different insurance companies have different restrictions on the number of renewal.

Note: Not all insurance policies can apply for loans from insurance companies. Only insurance with policy lending function, such as savings insurance, dividend insurance, endowment insurance, annuity insurance and other life insurance contracts, does not have the functions of accident insurance, health insurance, investment-linked insurance and universal life insurance, because there is no cash value or cash value fluctuation is uncontrollable.

Advantages:

1) policy loan to avoid the loss of cash value caused by surrender; Does not affect the insurance protection function, even if the insured has an insurance accident during the loan period, the insurance company will make normal claims according to the insurance contract (deducting the loan principal and interest).

2) Simple procedures: there is no need to check the borrower's credit, and there is no need to specify the purpose of borrowing. Generally, the loan will be received within 3-5 working days.

3) The loan interest shall be calculated on a daily basis. After the loan expires, it can be extended, and only the interest is paid, but not the principal, thus reducing the repayment pressure.

4) If the borrower meets the cash value of the policy of 6,543,800+and the policy has the borrowing function, this borrowing method is fast and the interest rate is low.

Disadvantages: Policy loan not only requires the cash value of the policy, for example, if you want to borrow 6,543,800 yuan, the cash value that needs insurance must reach at least 6,543,800 yuan. Moreover, there are clear requirements for the types of insurance. Only when the policy has the function of borrowing can it be borrowed in this way.

6. Network P2P loan

Lufax: the annualized interest rate is 8.4%-8.6 1%, and the loan term is 1-3 years. Compared with the bank loan interest rate in the same period, the bank loan interest rate of 1 year is 6%, and 6% x140% = 8.4%. In addition to paying interest, the borrower shall also pay a monthly guarantee fee of 1.2- 1.9% of the loan principal (the guarantee fee shall be paid to Ping An Guarantee Company).

If the loan is RMB 654.38+10,000 yuan and the loan is 1 year, the borrower needs to pay the annual interest rate of 8.4%, the annual guarantee fee of 14.4% and the total annual interest rate of 22.8%.

Pleasant loan: annualized interest rate 10%- 12%, loan term 1-3 years.

The borrower has to pay interest and platform transaction fee (1-3 years, and the annualized rate of platform transaction fee is between 2.82% and 3.96%).

If the loan is 654.38 million yuan, the term is 1 year, the annual loan interest rate is 10%, and the platform transaction fee is 3.96%= the total interest rate 14%.

Renren loan: interest rate range: 10%-24%.

Loan service fee: charged according to personal credit rating, with the highest credit rating of AA, the rate of 0 and the worst credit rating of 5%.

Loan management fee: 0.3% of the loan principal is charged every month.

If the loan is 654.38 million yuan, the term is 1 year, the personal credit is good, the lowest interest rate is calculated at 10%, and the loan service fee is charged at 3%, then the annual interest rate borne by the borrower is10% 3% 0.3% x12 =/kloc.

Conclusion: Compared with the three large-scale P2P in the market, it is found that the borrower bears the lowest interest through pleasant loan platform. (Special note: the interest rate of each family may change slightly according to everyone's specific situation).

Advantages: the procedures for approving the qualifications of borrowers are more relaxed than those of banks; Fast lending speed; Loans support multiple purposes; P2P repayment generally adopts the method of equal principal and interest, which is beneficial to borrowers. Because the repaid principal is not included in the next interest, the interest actually paid by the borrower is lower than the marked annualized interest rate of the loan.

Disadvantages: The annual interest rate is at least 40% higher than that of the bank, and the platform service fee/guarantee fee needs to be paid.