The annual interest rate is around five, so the annual interest rate is around five thousand.
2. What is the annual interest of the bank loan of 654.38 million yuan?
Mainly depends on the actual loan interest rate implemented by the bank. The higher the loan interest rate, the borrower needs
1. If the bank loan interest rate is based on the benchmark interest rate, then the annual loan interest is1000004.35%1= 4350 yuan;
2. If the bank interest rate rises 10%, the interest rate will be 4.785% and the annual interest will be100004.785%1= 4785 yuan;
3. If the bank interest rate rises by 20% and the interest rate is 5.22%, then1000005.22%1= 5220 yuan;
4. If the bank interest rate rises by 30% and the interest rate is 5.655%, then the loan is 5.655% 1=5655 yuan.
: Conditions required by the borrower
1.1natural person aged 8-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)
2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.
3. The borrower's actual age plus the loan application period shall not exceed 70 years old.
For several ordinary loans
Loan type 1: personal credit loan
Personal credit loans, so what are the conditions for applying for such loans? Usually, banks require borrowers to have second-generation ID cards, stable work certificates, income certificates and loan purposes; Borrowers also have a certain income, with an average monthly income of not less than 4,000 yuan. Regret applying for an unsecured loan with a monthly income of 5-8 and a new loan from Ping An Bank.
The second type of loan: housing
The reason why more and more people's interest rates are generally the benchmark profit rate, and the repayment pressure is small. So what are the conditions for applying for this kind of loan? Generally speaking, in addition to the strong requirements for the income and credit of the lender, the house area is more than 50 square meters; The house is highly mobile; The amount of mortgage loans shall generally not exceed 70% of the assessed value of the house. After submitting relevant information and bank application in this way, the maximum time limit shall not exceed150,000, and the maximum time limit shall be 2.
Loan Type III: College Students' Entrepreneurship Loan
College students pay more attention to this kind of loan than our mutual venture loan. There are supportive policies, such as loan subsidies or interest-free loans. So what are the conditions for applying for this kind of loan? Generally speaking, the requirements for college students' entrepreneurial loans are: college students should be one year old within two years of graduation. Relatively speaking, this kind of loan only needs to submit student ID cards, transcripts, statements and other materials to the bank, and it can be obtained after approval.
Loan Type 4: Self-operated loan
Self-employed people have become the main force of social and economic development, but many self-employed people have difficulty in financing, so many people choose this kind of loan. What are the conditions for applying for this loan? Generally speaking, you must have full capacity for civil conduct and have a local hukou; Having a fixed business place and stable income in the local area; Can provide legal collateral (pledge); Open a deposit account with a loan bank. After the above conditions are met, the information required by the bank can be submitted for review.
Loan Type 5: Housing Mortgage Loan
Many people buy houses and apply for mortgage loans, so what are the loan conditions? Generally speaking: have a valid ID card and proof of marital status; Good credit record and willingness to repay; A steady income; Commercial housing sales contract or letter of intent for the purchased house; Have the ability to pay the down payment of the purchased house; Open a personal settlement account with a valid guarantee in the bank. After meeting the above conditions, you can submit the application materials to the bank, and the bank will review and decide whether to lend money.
3. Personal loan100000 want to start a business. What's the loan interest rate?
If it is a loan from China Merchants Bank, the loan interest rate needs to be comprehensively priced in combination with the business type, credit status, guarantee method and other factors you apply for, and can only be determined after approval by the handling outlets.
4. What is the annual interest of the bank loan of 654.38 million yuan? Let's work out an account and you'll know!
Many users will consider the loan interest rate when they go to the bank to apply for a loan. After all, the loan interest rate determines the level of interest that the lender needs to pay in the future. A friend asked, what is the annual interest on a bank loan of 654.38 million yuan? Let's follow up and calculate an account!
What is the annual interest of bank loan 1 10,000? First of all, we should understand that the one-year LPR interest rate issued by the central bank is five years, and the loan interest rate of general banks will fluctuate 10%-24% on the basis of LPR interest rate. If the lender goes to the bank to apply for a loan of 654.38 million yuan, it will be paid off in one year. Then according to the normal bank loan interest rate, the interest will generally be between 1200 yuan and 2 127 yuan. Of course, the above is only a theoretical calculation method. Lenders choose different loan products, and banks will implement different loan interest rates. If the lender applies for special types of loans such as interest-free business start-up loans, college students' loans and provident fund loans, then the interest needs to be calculated according to local policies and bank regulations. Generally speaking, if the bank applies for 654.38+02 installments to repay 654.38+ 10,000 yuan, the interest is still relatively low. If the lender chooses to apply in some auto financing companies or online small loan software, the interest probability of 65438+ 10,000 yuan is higher than that of banks. In addition, we need to remind everyone that when applying for a loan, we must keep our eyes open and see if the lending institution behind us has the qualification to lend. If there is no loan qualification, the platform is likely to be an informal lending platform. Everyone must be cautious in lending! What's the annual interest on a bank loan of 654.38 million yuan? I hope I can help you!