The daily interest rate is 4,000 yuan, and China Merchants Bank calculates compound interest on a monthly basis, so the corresponding annualized interest rate is15.4%;

Installment 12 months, monthly handling fee of 300, corresponding to annualized interest rate 16.6%.

Borrowing is more appropriate and funds are more free.

2. What is the annual interest on the loan of 654.38 million yuan?

1642.5 yuan.

100000.045%=4.5 yuan 365= 1642.5 yuan a year, the daily interest rate of Alipay loan is 0.045%, and the longest loan term is 12 months, that is to say, if you borrow 1 year, the total principal and interest will be/kloc-0.

If the repayment date is up, but not yet, you can try to apply for deferred repayment at this time. For example, if a user submits relevant certification materials to the customer service because of unemployment or serious illness, and the customer service verifies that the materials are true, it will set a deferred repayment for the user. There is no special reason, just because the repayment ability is insufficient, so I can only borrow money from friends and relatives around me to repay.

There is no grace period for borrowing. If 1 day is overdue, the overdue record will be reported to the credit bureau, so it is particularly important to repay on time.

If the repayment is overdue, it will

1. The loan function will directly limit the overdue use. Whether to reply after subsequent repayment needs to be evaluated, and manual intervention is impossible.

2. Negative records will be uploaded to the information database for later borrowing.

3. If the repayment is overdue, there will be normal interest and dust resistance.

If you refuse to return it, you may be sued.

"Borrowing" is now a credit loan service. According to different sesame scores, users can apply for different loan quotas. Borrow 12 months, with the daily interest rate of 0.045%, which can be repaid as you borrow.

At present, the application threshold is more than 600 sesame seeds. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan.

At present, the consumer loans launched by e-commerce giants are mainly aimed at Yunling staging in the consumption scene of this e-commerce platform. However, with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also being launched one after another. The following is the actual experience of increasing the quota:

Operating environment: Apple 12ios 14 online merchant bank 3.9.8.11241.

1, deposit the balance treasure or lucky treasure (regularly), deposit 15000 yuan, and it can be released after 10, usually at1-10;

2. Download the online merchant bank app on your mobile phone, and then save it in your computer. Ten thousand deposits can basically lend ten thousand consumer loans to online merchant banks for one month;

However, some netizens still complain that one of the reasons why these internet companies engage in finance is that they have not received the experience that these users can't even distinguish interest and handling fees.

Three. China Merchants Bank made an e-loan of 40,000 yuan, repaid interest of 1 4,000 yuan, and repaid monthly interest of1year of 3,600 yuan, with interest of 300 yuan. Which interest is more suitable? thank you

It's appropriate to borrow it from you