The loan in the rural credit cooperatives is 654.38 million yuan, which will be paid off in three years. The three-year benchmark interest rate is 6.65%, a little over 9%. It should be 40% higher for you, and the interest rate is 9.3 1%. Monthly interest: 776 yuan.
Supplementary information:
Calculation method of bank interest:
The deposit and loan interest rates shall be uniformly stipulated by the state and promulgated by the People's Bank of China. Interest rate, also known as interest rate, is the ratio of interest to principal in a certain date, which is generally divided into annual interest rate, monthly interest rate and daily interest rate. The annual interest rate is expressed as a percentage, the monthly interest rate is expressed as one thousandth and the daily interest rate is expressed as one thousandth.
Three interest rates can be converted, and the conversion formula is: annual interest rate ÷ 12= monthly interest rate; Monthly interest rate ÷30= daily interest rate; Annual interest rate ÷360= daily interest rate.
The basic formula for calculating interest is: interest = principal × deposit term × interest rate;
4. Interest rate conversion, in which the conversion relationship among annual interest rate, monthly interest rate and daily interest rate is: annual interest rate = monthly interest rate × 12 (month) = daily interest rate ×360 (day); Monthly interest rate = annual interest rate ÷ 12 (month) = daily interest rate ×30 (days); Daily interest rate = annual interest rate ÷360 (days) = monthly interest rate ÷30 (days)
How much is the interest on a credit loan for one month?
The interest of personal credit loan depends on the interest rate and term of the loan. The interest rate of general personal credit loans is based on the benchmark interest rate of loans of the same grade in the same period stipulated by the People's Bank of China, but this is only a reference value and can fluctuate up and down. For example, the interest rate of credit loans of major banks usually rises by about 30% to 50% on the basis of the benchmark interest rate of central bank loans.
If you handle personal credit loan business in a bank, the interest rate of credit loan is generally around 1 1% per year, while if you choose to handle personal credit loan business in a loan company, the interest rate is usually between 18%-36%.
In addition, according to the different repayment methods, the interest to be charged for each period is also different. For example, the repayment of equal principal and interest, the monthly repayment amount of loan principal and interest = loan principal × loan monthly interest rate (1 loan monthly interest rate) /[( 1 loan monthly interest rate)-1], but the repayment of equal principal is different, and the loan principal and interest need to be repaid monthly.
Suppose the bank's one-year loan interest rate of LPR is 3.85%, then most banks will rise 10% on this basis, which becomes 4.35%. When the borrower applies for the loan interest rate, the bank will fluctuate on the basis of this 4.35% according to the borrower's personal qualification, with the maximum fluctuation range of 24%.
When applying for bank loan interest rate, borrowers need to submit some related materials to the bank, including: loan application approval form; My valid identity certificate and photocopy; Proof of address; Proof of income, bank flow; Effective contact information and telephone number; Other information required by the bank.
After meeting the loan application conditions, the borrower can apply for a credit loan. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract, and then the bank issues the loan to the borrower by transfer.
Generally speaking, the interest rate of bank credit loans will have a standard. As long as the borrower guarantees that his personal qualifications will not deteriorate, the loan interest rate he applies for will basically be within this standard range.
How much is the credit loan of rural commercial bank 1.2 million yuan a month?
Credit loan of rural commercial bank 1.20 million yuan, and monthly interest 1.020 yuan. The monthly interest rate of credit loans of rural commercial banks is 0.0085. According to the monthly interest rate, the monthly interest of the loan of 1.2 million yuan is 1.020 yuan. Credit loan of rural commercial banks is a new loan model introduced by rural commercial banks. As long as the borrower collects information in the rural commercial bank, it can complete the automatic approval of the credit loan of the rural commercial bank according to the borrower's personal credit. Borrowers can lend money on the mobile phone platform by themselves, and the credit loans of rural commercial banks are supported as needed. This not only makes it more convenient for borrowers, but also greatly reduces the interest generated by borrowers in the process of using rural commercial bank credit e-loan.
How much is the monthly interest of a credit loan of 700,000 yuan?
The monthly interest of 700,000 credit cards is 1 166.7 yuan.
Generally, credit cards are repaid in full and on time, with no interest. In addition, there are certain interest and handling fees for overdraft withdrawal. The interest is calculated by the day, and it is also very 5%. Interest is calculated from the date of cash withdrawal, and the handling fee is charged at 0.5% (minimum 2 yuan/transaction). You can control the credit card consumption and repay it on time every month, and the credit card can always be interest-free. You just need to refund the bank amount you spent. If loans overdue fails to repay the loan in full, without interest, the bank will charge interest soon.
How much is the 800,000 credit loan every month?
Matching principal and interest: monthly payment of 4245+38 0 yuan; Average fund: 5488.89 yuan in the first month.
The monthly payment of 800,000 yuan is related to the borrower's repayment method and loan interest rate. At present, there are two repayment methods, matching principal and interest and average capital. If calculated according to the benchmark interest rate of 4.90% for commercial loans over five years, the monthly payment is:
1. Equal principal and interest: the monthly payment is 4,245.5438+0 yuan, and the total repayment amount needs158,492.96 yuan.
2. Average capital: 5488.89 yuan in the first month, decreasing by 9.07 yuan every month from the next month, and the total principal and interest is 1389633.33 yuan.
I. Matters needing attention in loan
1. Before applying for a mortgage, handle the issues of credit reporting and income.
(1) The importance of credit investigation in applying for mortgage is self-evident. Generally speaking, all banks have requirements for the number of overdue repayments, except for a few banks, most banks require no more than three times.
(2) According to common sense, if an individual has applied for a loan or credit card in the past three months, there will be no problem with your credit information. If you are not at ease, we can go to the Credit Information Hall of the People's Bank of China or the online credit information system of the People's Bank of China. If there is a problem with the credit information, you need to contact the bank in time to eliminate it, so as not to affect the mortgage review.
(3) In addition, income is also an important basis for banks to verify mortgages, mainly to review your repayment ability. From the risk point of view, most banks will require that your monthly mortgage payment should not exceed half of your monthly income.
(4) Of course, there is no way to make your parents or spouse as co-borrower to supplement your repayment ability.
2. Leave enough repayment time to prevent the delay in the arrival of the account from affecting the repayment record.
(1) When handling the mortgage, the latest repayment time of each month has been agreed in the agreement. This repayment time refers to the time when your repayment arrives.
(2) Often due to system problems or differences between banks, the same-day payment may not arrive on the same day. Strictly speaking, if the payment time is later than the agreed repayment time, you will be overdue once.
(3) So the correct posture is to transfer the mortgage to the designated bank account two days in advance, and don't feel bad about the interest for two days. We should also pay attention to the situation after payment. However, if we do have a delay due to non-subjective reasons, we should communicate with the bank in time and do not drag it into a historical issue.
This is the end of the introduction of monthly credit loan and monthly credit loan premium. I wonder if you have found the information you need?