To calculate how much 20,000 credit cards should be repaid in 60 installments, you need to know the following information:
The annual interest rate of the credit card (for example, suppose the annual interest rate is18%);
Number of periods (for example, suppose 60 periods);
Installment fee rate (for example, assume that the installment fee rate is 3%);
Repayment method (such as equal principal and interest repayment or equal principal repayment).
Suppose you use the repayment method of equal principal and interest, how much you should pay back each installment can be calculated by the following formula:
Monthly repayment amount = [loan principal x monthly interest rate x(65438+ 10 interest rate) repayment periods ]/[(65438+ 10 interest rate) repayment periods-1]
Among them, the loan principal is 20,000 yuan, and the monthly interest rate is the annual interest rate divided by 12 months, that is,18%/12 =1.5%. The repayment period is 60. Substitution formula calculation:
Monthly repayment amount = [20000x1.5% x (11.5%) 60]/[(11.5%) 60-1] ≈.
So the 60-installment repayment of 20,000 credit cards is about 4 17. 13 yuan. However, it should be noted that the actual repayment amount may be affected by factors such as the installment fee charged by the bank, and the specific repayment amount shall be subject to the bank bill.
2. If the annual interest rate of a bank loan of 20,000 yuan is 6.65, how much interest will it cost a year? how ...
20000×0.0665= 1330 yuan
3. Pay off the interest on the credit card loan in 206 1 year?
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Borrow 20 thousand from the bank and pay it off in one year. What are the benefits?
Release date: 2022/10/1:29:14 Source: Network.
2065438+February 2, 20091Answer: At present, the loan interest rate is from half a year to one year (inclusive), the annual interest rate is 6.00% for a loan of 20,000 yuan, and the annual interest payable is 20,000× 6.00% =1200.00 yuan.
What is the total interest rate of 3 1500 if I repay the loan in 24 installments in 20000? have
Second floor: Not bad. The sixth floor of online loan: the interest is close to 18000, which is quite expensive. 15000 yuan interest is a credit card, one point.
The best answer: the amount of interest depends on your interest rate. For example, if your interest rate is 1%, then the principal 20000 times the year 12 times the interest rate 1% equals the interest of 2400 yuan, and then the interest plus the principal divided by the number of installments equals the interest payable on the loan of 20000 yuan per month >>
2015165438+10/6, with a loan of 20,000 yuan and a monthly interest of 2.28. So what is the monthly interest? And how to calculate the formula? Let me answer the questions in the lottery. After the first serious answer, you can get three lucky draw opportunities. 100% wins the prize. More questions
Borrow 20 thousand from the bank and pay it off in one year. What are the benefits?
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4. A credit card with a limit of 200,000 will be paid off in eight years. What are your interests?
First of all, the repayment period cannot be 96 months. The longest term of a general credit card is 60 months, which is five years. As for the interest of credit cards, the standards implemented by banks are different, mainly because the handling fees and late payment fees are relatively high. It's better to change it into a loan, which will help its expenses. I hope it can be adopted.