Which interest rate is lower, finance or repayment? The repayment amount and interest shall be calculated according to the borrower's qualification certificate.

1, Xiaoman Finance has a variety of credit products to choose from. According to the official statement, the minimum loan interest rate is 7.2%. Assuming that the lender borrows more than 6,543,800 yuan in Xiaoman, the annual interest is 7,200 yuan.

2. Repayment official website shows that the minimum annualized interest rate for repayment is 5.4%, which is similar to the minimum annual interest rate for bank credit cards, and may be lower. Assuming that the lender borrows more than 6,543,800 yuan, the annual interest is 5,400 yuan.

3. However, the above is only a logical calculation. The interest rate of successful bank loans that each lender can apply for is different. Xiaoman Finance and repayment will be based on the credit of each borrower and the interest rate of level modulation Bank loan.

What is a bond fund? Bond funds refer to stocks invested in project bonds, which are divided into government bond stock funds, municipal engineering bond funds, corporate bond funds and international bond funds according to the types of bonds invested. Bond funds are divided into treasury bonds, credit bonds and convertible bonds according to their investment direction.

In addition, it should be noted that some bonds will have some assets invested in stocks, which will be very risky. They can be divided into primary bonds and secondary bonds. In addition to fixed-income financial derivatives, tier-one bonds will participate in the investment of IPO projects in the primary market, while tier-two bonds will participate in the stock trading in the secondary market and can also participate in the investment of IPO projects in the primary market.

What are the risks? There is interest rate risk in bond funds, and bond prices are closely related to market interest rates. In addition, there is credit risk. If foreign investors can't pay interest on time and repay the principal at maturity, it may lead to the loss of bond funds. Therefore, bond funds are risky, and we must pay attention to their risks when choosing. If you can't bear greater risks, you can choose bond funds instead of investing in the stock market.

What are the risks of debt base? The main risks encountered by the project investment debt base are annual interest rate risk and credit risk.

1 annual interest rate risk: the market interest rate is inversely proportional to the bond price. If the market interest rate rises, the bond price will fall. Generally speaking, bonds generally have a fixed coupon rate. When the market interest rate drops, the corresponding yield of fixed coupon rate bonds will rise. At this time, everyone will buy bonds, and the price of bonds will fall. On the contrary, if the market interest rate rises, the demand for bonds will decrease.

2 Credit risk: Credit risk refers to the risk that bonds cannot be cashed in time due to low solvency index or low willingness to pay debts. When the credit risk is relatively high, the holder will throw out the bond, which will cause the bond price to continue to fall.

We can grasp the bond risk from some angles. For the annual interest rate risk, we can pay attention to the market demand for funds. For credit risk, we can understand it through the operation of sales.