The annual interest rate of used car loans is 1 1%. At present, for a three-year loan for a new car, the minimum down payment is 30% and the total interest is 12% to 15% of the total loan, while for a three-year loan for a used car, the minimum down payment is 50% and the total interest is more than 20% of the total loan.

Is the annualized interest rate 1 1% high?

The continuous annualized income of 1 1% is very high! If the annualization is 1 1%, it may be possible, so it depends on which one you are talking about.

About the knowledge of the rate of return, I think you should know:

(1) The yield of national debt is 4%, which is the same as the fixed income financing of banks.

(2) Those who manage the social security fund are experts who can only make money without losing money, with a long-term annualized rate of 8%.

(3) The average rate of return from all walks of life is 8%, which is why 8% is often used in discounted cash flow method model.

(4) There are only 65,438+00% managers with long-term annualization exceeding 65,438+05%, and there are 60 managers with annualization exceeding 65,438+00%.

(5) The manager Public Offering of Fund's long-term annualized income exceeds 20%, and the number of employees is only 1 person. He annualized 265,438+0% every four years.

(6) Buffett's annualized rate of 22% was 6.5438+0.5 million times in 60 years and 5.44 million times in 78 years. So it is important to do it early, earn it steadily and live long.

In other words, some reliable, risk-free or even low-risk financial management can maintain an annual rate of return of 4%-6%;

But if it exceeds 6% and reaches about 8%- 10%, there is a risk;

When the income exceeds 15%, it is basically a high risk.

In other words, to achieve the annualized interest rate of around 1 1%, it is basically necessary to conduct investment tests. Moreover, from the historical experience, it is basically stocks and real estate, and such large asset investment projects can realize the continuous annualized income of 1 1%.

More importantly, they can reach 1 1% not every year, but several years, and then reach the annualized income of 1 1% on average.

Therefore, it is very difficult to obtain a sustained and stable annualized income of 1 1%, but if we seize a wave of bull market or buy high-quality real estate as a long-term investment, the average annualized income of 1 1% can be achieved. The key depends on your understanding and mastery of these two types of investments.

If one day, someone tells you that his project can achieve a sustained annualized rate of return of 1 1%, and there is no risk, please believe it must be a scam!

The annualized rate of 1 1% is already very high at the current interest rate level. Let's compare it with other investment and wealth management products:

1. Compared with low-risk wealth management products.

1. national debt: national debt is equivalent to risk-free financial income. At present, the interest rate of three-year treasury bonds is 4%, and the interest rate of five-year treasury bonds is 4.27%.

2. Bank deposits: Bank deposits are guaranteed by deposit insurance funds, so the risk is relatively low. The deposit interest rates of different banks are different, and the highest annual interest rate can reach about 5.5%;

3. Bond funds: pure bond funds have low risk because of investing in bonds, and the long-term annualized rate of return is around 7%;

Second, compare medium-risk wealth management products.

1, social security fund: the risk of social security fund is in the middle and lower level, because the state requires that it can only make profits but not lose money, and it needs a powerful fund company to take care of it. The long-term annualized rate of return of social security fund is 8%;

2. Trust: the default rate of trust wealth management products is low, but there is a certain risk of payment delay, and the average yield is around 8%;

3. Average return of industries: The average return of all industries in the whole society is 8%, so 8% is commonly used in discounted cash flow method model. From this perspective, those with annualized rate of return exceeding 8% are generally high-risk wealth management products.

Third, compare financial management.

1. Manager Public Offering of Fund: There are only 60 managers in Public Offering of Fund whose long-term annualized rate of return exceeds 10%, and only 10 managers who exceed 15%;

2. Warren Buffett's long-term annualized rate of return is only 22%. He earned 6.5438+0.5 million times in 60 years and 5.44 million times in 78 years. 90% of his wealth was earned after the age of 60.

To sum up, the annualized rate of return of 1 1% belongs to a higher rate of return, corresponding to a higher risk level. When choosing a wealth management product, you must investigate the detailed information of the product and invest carefully before you know the risks and benefits.

Hello, landlord, is the annualized rate of return 1 1% high? The annualized rate of return of 1 1% is very high, because the higher your rate of return, the higher the corresponding risk level. For example, buying stocks has a higher rate of return. If you do well in a year, you are likely to earn more than 50%, but at the same time it comes with risks.

Therefore, having high returns is accompanied by high risks. If the individual is not such a radical investor, but a steady investor, and cannot bear the risk of loss of principal, then it is not suitable to choose this high-yield investment, because after all, the safety of principal cannot be completely guaranteed, so we should choose some relatively steady investments to make choices.

The stable investment and wealth management products can't reach the annualized rate of return of 1 1%, so this problem is quite contradictory. Of course, if you do invest in some neutral products, on the one hand, you have funds, on the other hand, you also have wealth management, and the final annualized rate of return may reach more than 1 1%. Then I'll congratulate you here. You have achieved great success. It is really good that you exceed the annualized rate of return of many people, but we must avoid the corresponding risks while enjoying high returns, because only by guaranteeing the principal will it be useful for our own investment.

Thanks for reading, please add my attention.

The annualized interest rate of 1 1% is already a very high interest rate level. Suppose you have 654.38+10,000 yuan, and compound interest at an annualized rate of return of 1 1% for a long time. After 50 years, you will have 18456500 yuan, which is the magic of compound interest.

Treasury bonds: Treasury bonds are equivalent to risk-free financial returns. At present, the interest rate of three-year treasury bonds is 4%, and the interest rate of five-year treasury bonds is 4.27%.

Bank deposit: Bank deposit is guaranteed by deposit insurance fund, so the risk is relatively low. The deposit interest rates of different banks are different, and the highest annual interest rate can reach about 5.5%;

Bond funds: pure bond funds have low risk because of investing in bonds, and the long-term annualized rate of return is around 7%;

Social security fund: the risk of social security fund is at the middle and lower level, because the country requires that it can only earn money but not lose money, and it needs a powerful fund company to take care of it. The long-term annualized rate of return of social security fund is 8%;

Trust: the default rate of trust wealth management products is low, but there is a certain risk of payment delay, with an average yield of around 8%;

Average return of industries: The average return of all industries in the whole society is 8%, so 8% is commonly used in discounted cash flow method model.

From this perspective, those with annualized rate of return exceeding 8% are generally high-risk wealth management products.

Manager Public Offering of Fund: There are only 60 managers in Public Offering of Fund whose long-term annualized rate of return exceeds 10%, and only 10 managers who exceed 15%;

Warren Buffett's long-term annualized rate of return is only 22%. He earned 1.5 million times in 60 years and 5.44 million times in 78 years. 90% of his wealth was earned after the age of 60.

Therefore, the world's top wealth managers rarely achieve the long-term annualized rate of return of 1 1%.

To sum up, the annualized rate of return of 1 1% belongs to a higher rate of return, corresponding to a higher risk level. When choosing a wealth management product, you must investigate the detailed information of the product and invest carefully before you know the risks and benefits.

The annual interest rate of 1 1% depends on what kind of wealth management products you invest in, because different wealth management products have different returns and different risks. If it is a relatively stable investment, the annual interest rate of 1 1% is already quite high. If it pursues aggressive investment, it will also bear the same loss risk when investing. This annual interest rate 1 1% is actually not very high.

Different investors have different risk preferences for prudent financial management and aggressive financial management. Some investors just want to get stable interest through financial management, while others want to achieve more wealth and even financial freedom through financial management. They need to pursue higher financial returns. Wealth management products with an annual interest rate of 1 1% will inevitably face high risks while pursuing high returns.

1. Steady financial management.

Wealth management products with a yield of more than 6% will be questioned. More than 8% is dangerous. If it exceeds 10%, it is ready to lose all the principal. For a prudent financial investor, the financial management method he needs is principal security. Under the choice of safe principal, his wealth management income cannot exceed 6%, because at present, the interest rate of any fixed-income and steady-income wealth management products in China does not exceed 6%.

This tells us that if the annual interest rate reaches 1 1%, we should be prepared to lose all the principal, and the financial management with the annual interest rate below 6% is quite safe, such as bank deposits, bond money funds and some financial products with capital preservation.

2. Radical financial management.

Pursuing the annual interest rate of 1 1% is to be psychologically prepared for the loss of principal, because all wealth management products with interest rate of 1 1%, including trust, wealth management, stocks, futures, gold and funds, are equal in risk and return, and investors can get as much as they can bear.

Financial products with interest rate of 1 1% should belong to aggressive financial products, but for investors with aggressive financial management, this interest rate itself is not fixed, mainly floating, and the interest rate may exceed 20% or even 30%.

Therefore, the annualized interest rate of 1 1% is already very high in stable wealth management products. Even without this low-risk and high-yield financial management method, the income in radical financial management products is actually not high, but the risk is also high. For investors who want to protect capital and interest, if they encounter such products, there must be risks, and it is impossible to just look at high returns.

The term "interest rate" is often used in deposits and loans or private loans of financial institutions such as banks, and other financial investment habits are called "rate of return". So if it refers to the deposit interest rate, the annualized interest rate of 1 1% is already too high compared with the deposit, and it doesn't exist now; However, relative to the loan interest rate, it is still in the middle range. The actual annual interest rate of general bank credit loans will exceed 1 1%, while private lending is more of this interest rate. Legal 3-point monthly interest is everywhere, and illegal 5-point interest or even 1 gross interest is also common.

In terms of yield, compared with common financial tools and most people, the annualized rate of 1 1% is relatively high. Yield of common financial instruments:

Bank wealth management products: generally 3-5%;

Property insurance: generally 2-4%;

Monetary fund: 2-3%;

Bond fund: 20 19 with an average annual yield of 5.86%;

Equity funds: the average annual return rate of 20 19 is 38.47%;

Hybrid fund: the average annual return in 20 19 is 32.05438+0%.

Therefore, except for a small number of low-risk bond funds, which can achieve an annualized rate of return of 1 1% in some years, the rest can only be achieved through high-risk financial tools or tool combinations. Personal investment should not blindly pursue high returns, but should choose appropriate financial management tools or tool combinations in combination with their own risk tolerance and risk preference.

According to the comprehensive average income of wealth management in the market at present, the annualized 1 1% is indeed not low.

Bank financing is currently at 4-6%.

Monetary fund about 3%

Trust 6-8%

Large certificates of deposit and structured deposits: 4-5%

Financial insurance 3-6%

3-5% fixed income financing provided by brokers.

At present, the expected rate of return of high-risk P2P financing is 1 1%, which is quite small.

Therefore, judging from the financial management methods that ordinary people can access in the market, the annualized 1 1% is quite a lot.

Whether it is loan or investment income, the annualized interest rate of 1 1% is relatively high. This year, the inflation rate increased by about 3.5% year on year. If the annualized rate of return on financial management is 1 1%, it can far outperform inflation.

So what should we do to achieve the annualized rate of return of 1 1%? I suggest that you can divide your funds into three parts and invest them in stocks, funds and banks regularly.

Many people may say that stocks are too risky to make money or buy. But think about it, most of the trillions of Public Offering of Fund in our country buy stocks. If stocks really can't be earned, then these funds have long since ceased to exist. In fact, many stocks have investment value. For example, some stocks rose from more than 200 to more than 1 1,000. In just a few years, it has increased more than five times. Therefore, if the stock is bought correctly, it is ok to be short-term quilt cover. These blue-chip stocks pay rich dividends every year, and the dividend yield may be 3%. It is worthwhile to buy some blue chips and make long-term investments.

There are many kinds of funds to invest in Public Offering of Fund, so it is not easy to find a good fund. You can choose a few from the top funds and then observe them for a month or two before investing. You can go to their discussion forum every day and read the posts posted by investors to see if most people can make money by investing.

You can buy funds with two-thirds of the money, or you can buy stock funds, mixed high funds and bond funds at the same time. I suggest that the fund make a fixed investment, usually once every two weeks. If you can't make a fixed investment in the fund, you will buy it in stages, not at one time. The advantage of this is that it can reduce the cost in the downward trend, and then it is easier to make money once it rises. Once the fund is invested, don't buy day trading. It is usually enough to sell it two or three times a year.

Then the rest of the money is used to buy bank time deposits, which is low in risk, and part of it is to protect the capital and interest. This part can generally be saved for three or six months to facilitate the usual use of money.

Through the above financial management methods, the expected annualized rate of return is about 10%, which most of us can do.

Let's talk about the P2P platform with the highest risk. According to the latest statistics released by Online Loan House, in July of 20 19, the comprehensive rate of return of online loan industry was 10%, of which 1 1% was less than 8%, 43% was in the range of 8%- 10%, and 33%. Obviously, to achieve the annualized income of 1 1%, only about 30% of the platforms can do it even if they invest in P2P platforms. Moreover, the yield of P2P platform is gradually declining.

But most people are incapable and unfit to participate in P2P investment. So, what is the rate of return of our common channels? Give a few examples to illustrate:

Of course, there are also awesome people. Warren Buffett, a famous investor, has an annualized income of over 20% and a 60-year return of 65.438+0.5 million times. But how many people can be like Buffett?

We might as well set a lower goal, such as striving for an annual rate of return of 5%. If you can spend 80,000 yuan every year and continue to invest, with an annual income of 5%, you will have 5.58 million yuan in 30 years, which is also an amazing wealth.

It mainly depends on whether you deposit or loan. If you deposit money, the number of years 1 1% is indeed a bit high. Unless a company is very short of money and can't borrow money from the bank, it will give you such a good interest rate. With a loan, the annual income of 1 1% is really not high, even a little low. When enterprises lend to banks, especially to private enterprises, the basic interest rate is 10%, and with other expenses, it will definitely exceed 1 1%. As for the loans of p2p online lending companies, those who haven't borrowed money may not know, and they certainly didn't lend you money at the superficial interest rate. In fact, they calculate the monthly interest rate, and the actual interest rate is above 25%.

Is the annualized rate of 300 thousand 1 1.85% high?

The annualized rate of 300,000 yuan is 1 1.85%. According to relevant information, the annual interest rate of 1 1% is not very high for loans. The daily interest rate of credit cards is 0.05%, which translates into annual interest rate of 18%, and the interest rate of some small loans is as high as 20%.

Is the annual interest rate 1 1% high?

The annual interest rate generally refers to the ratio of interest amount to deposit and loan principal within one year.

1, and the annual deposit interest rate is 1 1%. At present, major banks do not have such high interest rates for the time being, and the highest interest rate is around 5%; If you encounter a financial platform on the market, the annual investment interest rate is as high as 1 1%. Be sure to ensure the authenticity of the platform and products, as well as investment risks.

2. The annual loan interest rate is 1 1%, which is far below the national standard of 36%. As far as the loan products on the market are concerned, the annual interest rate is not high. However, the loan interest is also related to the loan amount and loan term. If the loan amount is large and the loan period is long, then the interest is also high.

Is the annual interest rate 1 1% high?

The loan interest rates of all financial institutions in China are implemented with reference to the benchmark interest rate announced by the Central Bank of China, and the loan interest rates of all financial institutions will fluctuate according to a certain proportion on the basis of the benchmark interest rate of the Central Bank. At present, the benchmark "annual interest rate" for individual (RMB) loans of 0- 1 year (including 1 year) announced by the People's Bank of China is 4.35%; The benchmark annual interest rate for 1-5 years (including 5 years) is 4.75%; The benchmark "annual interest rate" for five years is 4.9%. The annual interest rate of 1 1% is equivalent to 2.5 times of the one-year benchmark interest rate of the central bank, so it is relatively high compared with the benchmark interest rate. However, at present, the loan interest rates implemented by various financial institutions are floating, and the floating range of different institutions is different. If the loan interest rate of the online lending platform is 1 1%, it is still relatively low.

The benchmark interest rate is a universal reference interest rate in the financial market, and other interest rate levels or financial asset prices can be determined according to this benchmark interest rate level. Benchmark interest rate is one of the important prerequisites for interest rate marketization. Under the condition of interest rate marketization, financiers need a universally recognized benchmark interest rate level as a reference to measure financing costs, investors calculate investment returns and management's macro-control. Therefore, in a sense, the benchmark interest rate is the core of the formation of interest rate marketization mechanism.