Task occupation pit

2. How much is the interest of Ping An Xinyi Loan for 500,000 years?

First of all, the average interest rate of new loans of Ping An Bank is 0.85%. If it is a customer with a good social security provident fund at work, the interest rate is 0.6%.

If calculated according to 0.85% of the average customer, then the monthly interest of your loan of 500,000 yuan is 4,250 yuan, and the total interest for three years is153,000 yuan. Of course, if your interest rate is 0.6%, it will be much lower. The total interest rate is RMB108000.

3. The bank loan is 500,000 yuan. What is the interest for ten years?

Total interest: 133464.37. The loan principal is 500,000 yuan, and the term is 65,438+00 years. According to the benchmark annual interest rate of the People's Bank of China for loans over five years (unchanged), the repayment of principal and interest is equal, with a monthly repayment of 5278.87, a total repayment of 633,464.37 and a total interest of 65,438+033,464.37. Extended data:

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification. Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Review whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment. Matching principal and interest refers to a loan repayment method, that is, repaying the same amount of loans (including principal and interest) every month during the repayment period. Equal principal and interest and average capital are not the same concept. Although the monthly repayment amount may be lower than that in average capital at the beginning, the interest paid in the end will be higher than that in average capital, which is also a method often used by banks. The repayment method is to add up the total principal and interest of the mortgage loan, and then distribute it evenly to each month of the repayment period. The monthly repayment amount is fixed, but the proportion of principal in the monthly repayment amount increases month by month, and the proportion of interest decreases month by month. This method is the most common and recommended by most banks for a long time. The average capital repayment method means that the borrower repays the loan principal with the same amount (loan amount/loan months) every month, calculates the loan interest according to the remaining loan principal at the beginning of the month, and settles it every month, and the sum of the two is the monthly repayment amount.

4. Ping An Bank has a credit loan of 500,000 yuan with equal principal and interest for 36 months, and the monthly interest rate is 1.6%. How much principal and interest do I have to pay back every month?

Repay the principal 13888.89 yuan every month, and the interest payable is 8000 yuan every month.

According to the meaning of the question, RMB 0,000.00 will be repaid in 36 equal installments, with monthly interest rate = 65,438+0.6%.

According to the formula, monthly interest =

Substituting the data in the question, we can get the formula:

Monthly interest =500000

By division, we can get the formula:

Monthly principal repayment = 500,000/36 =13888.89 (yuan)

Then the total monthly repayment amount =13888.8000 = 21888.89 (yuan).

widening of capital

Interest (year) = principal × annual interest rate (

Or interest = principal × interest rate× time

Deposit interest = principal x days x listing interest (daily interest rate) = interest-bearing days x daily interest rate

Interest tax = deposit interest (income tax payable) × applicable tax rate

Loan repayment method:

(1 The sum of the principal and interest in the paragraph adopts a one-gold loan, with equal monthly repayment, which is the business model of most banks. So the monthly repayment amount is the same;

(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. So that every

(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

(4) Repay part of the loan in advance: that is, when the borrower applies to the bank, he can repay part of the loan in advance at an integer multiple of 65,438+00,000 or 65,438+00,000. After repayment, the lending bank will issue a new repayment plan. The limit has changed, but the repayment method remains the same, and the new repayment period shall not exceed.

(5) Repay all the loans in advance: that is, you can repay all the loan amount in advance. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and there is no penalty interest for the amount calculated on one day.

Matters needing attention in loan:

1. When applying for a loan, you can design a repayment plan according to your income level and with the help of your economic strength, so as not to affect your normal life.

2. Choose the appropriate repayment method. There are two repayment methods: equal repayment and equal principal repayment. Once the repayment method is agreed in the contract, it shall not be changed during the whole loan period.

3. Repay on time every month to avoid penalty interest. From the month after the loan is initiated, it is generally the repayment date of the next month. Don't cause liquidated damages because of your negligence, so that banks can't apply for loans again.

4. Take good care of your contracts and IOUs, read the terms of the contracts carefully, and know your rights and obligations.