It depends on your bank's handling fee for 12 installment. Let me take the transaction as an example. The handling fee for 12 installment is 0.72%. So if I spend 2 weeks and pay 20,000/1220,000 x 0.72% per installment, then I need to pay a total of 20,0001728 yuan in12 installment.
Second, the bank loan is 6,543,800 yuan. How much interest does it need for one year?
If the loan is 654.38 million yuan and the loan term is one year, it can be calculated according to the loan interest rate of 4.35% executed by the bank. According to the calculation formula of equal principal and interest, the total monthly repayment of the borrower is 85.3099 yuan. The first month repayment interest is 362.5 yuan, the first month repayment principal is 8 168.49 yuan, and the second month repayment interest is 332.89 yuan; By analogy, the total interest of the loan that the borrower needs to repay is 237 1.88 yuan. Choose equal principal repayment, the monthly repayment principal is 8333.33 yuan, the first month repayment interest is 362.5 yuan, the second month repayment interest is 332.29 yuan, and so on, the average total capital repayment interest is 2356.25 yuan. But the above is still a theoretical calculation method. If the user applies for special loans such as student loans and provident fund loans, the calculation of interest rate is another matter. The specific loan interest still depends on the actual loan interest rate, and each user's personal qualifications are different. If the user's personal qualifications are good, then the loan interest rate applied for will be lower. The annual loan interest rate of 65,438+000,000 depends on the interest rate when applying for a loan, and the loan interest rates of major banks are different. Under the basic interest rate system stipulated by the central bank, the interest rate of loans is also different. According to the latest official loan interest rate, the loan interest rate is 5.60% within one year (including 1 year), 6.00% for one to five years (including five years), and 6. 15% for five years and above. The interest rates of major banks will fluctuate according to the benchmark interest rate, and the upper limit of bank loan interest rate is no longer limited, and the lower limit is 0.9 times of the benchmark interest rate. However, there is still an upper limit on the loan interest rate of credit cooperatives, which requires that the upper limit of the loan interest rate of credit cooperatives should 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 loan of 654.38+10,000 yuan in a bank, you generally need a qualified person to provide a mortgage or guarantee to successfully apply. According to the latest benchmark interest rate of the central bank, the loan principal is 654.38 million 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). Second, the loan company: the procedure is simpler than that of the bank, but the cost is higher than that of the bank. In terms of interest alone, it will generally rise by 30%, which is 5.66%; The loan principal is 654.38 million yuan, the loan term is 654.38+0 years, the annual interest rate is 5.66%, and the one-year loan interest is 5660 yuan (one-time repayment). Third, private lending: the loan term is 1 year, and the interest rate can generally reach 4 times of the benchmark interest rate. According to this calculation, the interest rate is17.4%; The loan principal is 6,543,800 yuan, the loan term is 654.38+ 0 years, the annual interest rate is 654.38+07.4%, and the one-year loan interest is 654.38+07,400 yuan.
Iii. The loan of China Merchants Bank is 65,438+10,000 yuan, and the annual interest is10,000 yuan?
The annual interest is 5 100 yuan.
The personal credit loan interest rate of China Merchants Bank is set with reference to the central bank loan interest rate, and the personal credit loan interest rate within one year (including one year) is 5.1%; The interest rate for one year to five years (including five years) is 5.5%. The reference interest rate for borrowing 100,000 yuan a year is 5. 1%. Then the principal is multiplied by the interest rate,100,000 times 5. 1 equals 5 100 yuan.
/kloc-What is the annual interest rate after 0/00000 China Merchants Credit Card is used up?
The monthly interest rate of China Merchants Bank 12 should be 0.66% and the annual interest rate should be 3 168 yuan.