1. How much does it cost to pay back 20,000 points in 12 installments with a credit card? Please tell me, thank you
It depends on how much your bank’s handling fee is in 12 installments. I can pay As an example, the handling fee for 12 periods is 0.72. Then if I borrow 2W, I should repay 20000/1220000x0.72 in each period. Then I need to repay 200001728 yuan in 12 periods.
2. How much interest is required for a bank loan of 100,000 yuan per year?
If the loan is 100,000 yuan and the loan term is one year, it is calculated according to the bank’s loan interest rate of 4.35. According to the equal principal and interest calculation formula, it can be concluded that the borrower’s total monthly repayment is 8530.99 yuan; The monthly repayment interest is 362.5 yuan, the first month's principal repayment is 8168.49 yuan, the second month's monthly repayment interest is 332.89 yuan; and so on, the total loan interest that the borrower needs to repay is 2371.88 yuan. If you choose equal principal repayment, the monthly principal repayment is 8333.33 yuan, the first month's interest is 362.5 yuan, the second month's interest is 332.29 yuan, and so on, the total interest for equal principal repayment is 2356.25 yuan. However, the above is still a theoretical calculation method. If the user applies for a relatively special loan such as a student loan or provident fund loan, the interest rate calculation is another matter. The specific loan interest rate still depends on the actual loan interest rate, and each user's personal qualifications are also different. If the user's personal qualifications are better, the loan interest rate applied for will be lower. The interest rate for a loan of RMB 100,000 per year will be determined based on the interest rate when applying for the loan. The loan interest rates of major banks are different. Under the basic interest rate system prescribed by the central bank, the interest rates on loans also vary. According to the latest official loan interest rates, the loan interest rate for less than one year (including 1 year) is 5.60, the loan interest rate for one to five years (including five years) is 6.00, and the loan interest rate for more than five years is 6.15. The interest rates of major banks will fluctuate up and down according to the benchmark interest rate, and there is no upper limit on bank loan interest rates. The lower limit is 0.9 times the benchmark interest rate. However, there are still upper limits on credit union loan interest rates, which require the upper limit of credit union loan interest rates to not be higher than 2.3 times the benchmark interest rate. Interest = principal × interest rate × deposit period. 1. Bank: If you want to apply for a 100,000 loan from a bank, you generally need someone with certain qualifications and the ability to provide a mortgage or guarantee to successfully apply. Calculated based on the latest loan benchmark interest rate of the central bank, the loan principal is 100,000 yuan, the loan term is 1 year, the annual interest rate is 4.35, and the one-year loan interest is 4,350 yuan (one-time repayment). 2. Loan companies: The procedures are simpler than banks, but the fees are higher than banks. In terms of interest alone, it is usually 30% higher than the base interest rate, which is 5.66; the loan principal is 100,000 yuan, and the loan term is 1 year. The interest rate is 5.66, and the one-year loan interest is 5,660 yuan (one-time repayment). 3. Private lending: The loan period is 1 year, and the interest rate can generally reach four times the benchmark interest rate. Based on this calculation, the interest rate is 17.4; the loan principal is 100,000 yuan, the loan period is 1 year, the annual interest rate is 17.4, and the one-year loan interest is 17,400 yuan.
3. The interest rate for borrowing 100,000 yuan a year from China Merchants Bank is more than 1,000 yuan?
The annual interest is 5,100 yuan.
The personal credit loan interest rate of China Merchants Bank is based on the central bank’s loan interest rate. The interest rate for personal credit loans within one year (including one year) is 5.1; the interest rate for one to five years (including five years) is 5.5 . The reference interest rate for borrowing 100,000 yuan for one year is 5.1%. Then it is the principal multiplied by the interest rate, one hundred thousand times 5.1% equals 5,100 yuan.
4. How much is the one-year interest rate for a 100,000-dollar China Merchants Credit Card?
The monthly interest rate for 12 periods of China Merchants Bank should be 0.66, and the one-year interest rate is 3,168 yuan