The interest rate in March was 0.3%. If you borrow 65438+ ten thousand, the monthly interest rate is 65438+ ten thousand *0.3%=300 yuan;
The annual interest is 3600 yuan; The interest on this loan is ok, but not very high.
In fact, such a loan ratio is rare at 20 18.
By borrowing from banks, the benchmark interest rate (annual interest rate) for one year is 4.35%, that is, the loan is 654.38 million yuan and the annual interest is 4,350 yuan, both of which generate more interest than bank loans.
Extended information:
When handling bank loans, all banks will require borrowers to have a good credit record. If there is bad credit, the bank will refuse the loan. If you use your credit card in other loans overdue or overdue, you may have a bad credit record and the bank may refuse the loan.
When handling loans, borrowers must measure their repayment ability and judge whether they can repay on time after the loan expires. If you can repay on time, you can borrow it with confidence; If you can't, you'd better not borrow money to prevent unnecessary trouble for yourself in the future.
Bridge fund is a kind of short-term financing with a term of six months, and it is a kind of fund connected with long-term funds. The purpose of providing bridge funds is to meet the conditions of docking with long-term funds through the financing of bridge funds, and then replace bridge funds with long-term funds. Crossing the bridge is only a temporary state.
Bridge funds and loan guarantees fully reflect the leverage and guiding role of financial funds, and have become the most direct and effective measures for the government to serve small and micro enterprises, which have been widely recognized by enterprises.