In life, people often encounter such a situation, spend a lot of money, but their own funds are insufficient, and may need to go to the bank for loans. But bank loans are not free, and there will be some fees more or less. After all, banks are not charities and need to make profits. Next, let's see how much the bank loan fee is.
1, loan interest:
This is the most basic and familiar expense, which usually bears interest on a daily basis.
However, there is no fixed standard for specific interests, which has a certain relationship with many aspects. For example, the loan method chosen by the lender is credit loan, mortgage loan, mortgage loan or car loan. There is also the repayment method, such as equal principal and interest, average capital and so on. This is comprehensively determined.
2. Loan fees:
Not all bank loans will charge interest, but no handling fee, which is actually equivalent to monthly interest, but most credit card derivative loans will adopt this charging method.
Take the simplest example: in the case of buying a car by installment with a credit card, there is no interest on buying a car by installment with a credit card, but a part of the handling fee will be charged to the borrower.
3. Default fee:
In fact, this can be divided into two kinds of fees, one is the liquidated damages after overdue, and the other is the liquidated damages for early repayment, with different charging standards.
1) After the borrower obtains the loan, it still needs the borrower to repay the loan on time. If the borrower fails to repay the loan on time, resulting in overdue repayment, the bank will charge liquidated damages according to the number of days the borrower is overdue.
2) When the borrower applies for early repayment of the loan, the bank will also charge a certain amount of liquidated damages. The charging standards of different banks are different, and the specific situation needs to be implemented in accordance with bank regulations.
How much is the loan fee for buying a new house?
Generally, the loan fee for buying a new house is: 1. Cost: 80 yuan. The charging standard is the house ownership registration fee, and each set is charged with 80 yuan. 2. Transaction costs. New commercial housing is charged at 3 yuan per square meter. 3. Deed tax: 65438+ 0% of the purchase price (below 90 square meters, the first purchase), which is the tax to be paid by the buyer when the house is closed, that is, when the developer delivers the house. 4. Public * * * maintenance fund: commercial housing with a unit price higher than 2,300; commercial housing with a unit price lower than 2,300: 2.5% of the total house price. 5. In addition, if the buyer needs to apply for mortgage, the fees to be paid are as follows: 1. Appraisal fee: 0.2% of the property value. 2. Mortgage registration fee: 80 yuan per copy. 3. Insurance premium: loan amount × insurance rate × loan term. 4. Notary fee: 1.5‰× loan amount. Need to be reminded that at present, banks in different regions charge different fees for the above-mentioned fees, and buyers of specific charging items need to conduct detailed consultation in banks that handle mortgage loans.
How to calculate the loan interest rate?
How to calculate the loan interest rate?
Loan amount at benchmark interest rate/1February = monthly interest
Taking the current benchmark interest rate of 4.9% and the loan of 6,543,800 yuan as an example, assuming that the principal is not repaid, the annual interest is 654.38+ 4.9% = 4,900 yuan, and the monthly interest is 654.38+4.9%/654.38+02 = 408.33.
How is this loan interest rate calculated? For example, if I borrow 500 yuan, what's the interest?
If the annual interest rate is 0.78% per month, multiply it by 12 months.
For example, 1 12 months, 1000 120.78% = 936.
What's the loan interest rate?
Hello, you can open the following link to check the query of RMB loan benchmark interest rate: cmbchina/...cdrate.
If you still have questions about the one-card service, please log on to "Online Customer Service" for consultation: forum.cmbchina/...ncmu=0, thank you for your concern and support for China Merchants Bank!
How to calculate the loan fee?
Banks stipulate that loans do not charge fees, but only assessment fees and mortgage registration fees. The handling fee is the name of the intermediary's own charge, which can be negotiated!
How to calculate the loan interest rate of 20,000, 2.33 cents, 12 installments?
The monthly profit is 2.33%
The formula for calculating the monthly payment of equal principal and interest is: [loan principal × monthly interest rate× (1interest rate) repayment months ]≤[( 1 interest rate) repayment months-1]
Monthly payment = 200000.02331.023312/(1.023312-1) ≈193/yuan.
10 thousand loan, 5.5% monthly interest? How to calculate
Lenders generally need to meet the following conditions:
1. China citizens with permanent residence in China and permanent residence in local towns and 18-65 years old;
2. Abide by laws and regulations, and have no illegal acts and bad credit records;
3. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;
4. Other conditions stipulated by the bank.
How to calculate the bank loan fee?
The loan fees shall be implemented in accordance with the provisions of the People's Bank of China.
For example, China Merchants Bank loan fee provisions:
1. The loan interest rate is subject to the loan interest rate stipulated by the People's Bank of China;
2. Short-term loans (with a term of less than one year, including one year) bear interest according to the legal loan interest rate of the corresponding grade on the signing date of the loan contract. During the term of the loan contract, in case of interest rate adjustment, interest will not be calculated by stages; The loan interest can be settled monthly, quarterly or with the principal;
3. For medium and long-term loans (with a term of more than one year), a one-year fixed interest rate shall be implemented. The loan shall bear interest according to the term agreed in the loan contract and the legal loan interest rate of the corresponding grade on the effective date of the loan contract. One year later, the interest rate for the next year will be determined according to the legal loan interest rate of the corresponding grade at that time. Medium-and long-term loans are settled quarterly, and the 20th of each quarter is the settlement date;
4. The loan interest rate of revolving credit line shall be implemented according to the loan interest rate of the same grade during the credit period, and the interest shall be calculated by stages according to the actual use quantity and time of the credit line;
5. Other terms: The interest that cannot be paid on schedule during the loan period shall be compounded at the contract interest rate, and after loans overdue, the compound interest shall be compounded at the penalty interest rate, and the penalty interest that cannot be paid on schedule during the overdue period shall be compounded at the penalty interest rate.
What is the interest rate of the loan company?
It can be the interest rate charged for loan interest or the interest rate charged for handling fees.
How to calculate the 0.63% rate of China Merchants Bank loan 65438+124? How much is each issue?
When applying for personal loan in China Merchants Bank, "loan interest and monthly payment" are calculated according to the total loan amount, loan period, execution interest rate, repayment method and other factors.
If you want to make a trial calculation for reference, please open the following link: cmbchina/...=dkjsq, and try to make a trial calculation with the loan interest rate you applied for. (You can view information such as monthly payment, monthly payment principal, monthly payment interest, principal balance, total interest and total repayment).
How to calculate the car loan fee?
First, the car loan fee
The biggest loan cost for banks in automobile mortgage is loan interest. Different banks and loans with different maturities have different interest rates. The benchmark interest rate for three-year loans is 6. 15%, and the actual loan interest rate is usually higher than the benchmark interest rate, and the benchmark rises by 30% to 40%. Is there any other charge for mortgage loan besides loan interest? This also depends on the specific situation of the loan. For example, some car loans need to be guaranteed. If it is guaranteed by a guarantee company, it is generally necessary to pay a certain deposit, which generally costs several thousand yuan. If the borrower repays the loan on time, the guarantee company can refund a certain amount of deposit as agreed. If you use real estate as a mortgage loan, there will be real estate assessment fees, mortgage registration fees and other fees.
Second, the installment car purchase fee
If you buy a car by installment with a credit card, there is no loan interest, but there will be an installment fee (except for a few designated models). Different banks have different credit card installment fees, and there are two payment methods for credit card installment fees: one-time payment and installment payment. General 12 total cost is above 10%.
Three. Other handling fees for automobile loans
Whether it is car loan or credit card installment, if it is handled through a car dealer, it may be necessary to pay a certain agency fee to the dealer.
How to calculate the loan fee?
There are many kinds of loans, such as: first home loan, second-hand housing loan, provident fund loan, car loan, credit loan, mortgage loan and so on. Moreover, because each kind of loan faces different loan groups, uses, difficulties and risks, the cost of handling the corresponding loan is also very different (note that this is only the cost involved in applying for a loan). What are the costs of buying a car by loan? When applying for automobile mortgage in a bank, there is generally only interest cost. Auto financing companies generally do not charge interest fees for loans, but change their names: handling fees or management fees, which are higher than bank interest. The installment fee paid for buying a car by credit card is not cheaper than the previous two methods anyway. Second-hand housing loans involve costs. Second-hand housing loans generally involve intermediaries, and the fees are slightly higher. Mortgage fee (also called intermediary service fee) is generally 1%~2% of the loan amount. Because the second-hand housing loan needs real estate assessment, finding an appraisal company probably needs an appraisal fee of 1-3 (the lowest fee is 400 yuan). In addition, the second-hand house notarization fee is 1‰ of the loan amount, and the mortgage registration fee is about 100 yuan. Individual banks also collect stamp duty (less, 65438+ ten thousand 50 yuan) and insurance premium (about 0.5‰). The first home loan has three expenses at the loan level: bank interest, mortgage registration fee and notarization fee. The mortgage interest rate generally rises according to the benchmark loan interest rate, and some high-quality customers can enjoy the mortgage discount (see the bank's confirmation). Mortgage registration fees vary slightly from place to place, but most of them are between 80- 100 yuan. Commissioned notary fees are generally around 200 yuan. The cost of provident fund loans is similar to that of commercial loans, except that provident fund loans have an extra guarantee fee, and the loan interest rate is lower than that of commercial mortgages. Other types of loans involve expenses other than buying a house and a car. Other loans (credit loans, real estate mortgage, car mortgage, etc.). You can apply directly to the bank, and generally there is almost no other fee except interest. Small loan companies lend money similar to banks, but the interest rate is higher than that of banks. Because many times the qualifications of borrowers can't meet the requirements of banks, there is a lot of room to apply for bank loans directly. The products of small loan companies are mixed, and borrowers don't know much about them. Therefore, most people will go through the intermediary and customize the loan plan through the loan consultant.
What does the loan fee mean? How much is the loan fee?
1, the meaning of handling fee. Mortgage fees and mortgage fees are fees charged by intermediaries to property buyers, not by banks themselves. Intermediary fees are only for making more money, and there is no specific calculation method.
2. The word "Mortgage" is a Cantonese transliteration of the English word "mortgage", which refers to the mortgage of physical assets such as real estate or securities and contracts. And obtain a bank loan, and pay the principal and interest in installments as agreed in the contract. After the loan is paid off, the bank returns the collateral. Mortgage means that the mortgagor takes the mortgage beneficiary of property right transfer as the repayment guarantee. After the mortgagor pays off the loan, the beneficiary immediately transfers the property rights involved to the mortgagor. In this process, the mortgagor enjoys the right to use the property.
Is there a loan fee for the loan?
At present, there is no loan fee for buying a house in Beijing. But it will involve evaluation fees.
In addition, if you need an evaluation fee invoice, you can inform the broker in advance and send it to your mailbox in the form of an electronic invoice for the final meeting.
I hope the above reply can help you, and hope to adopt it ~