Different banks choose different loans, and the loan interest will be different. The standards implemented by banks are not exactly the same, but they all fluctuate according to the interest rate standards stipulated by the state.

There are two repayment methods: average principal and equal principal and interest. Different repayment methods will generate different interest.

Different loan options have different interest rates. The common commercial interest rate of mortgage is relatively high, and the interest rate of provident fund loan is relatively low. If you use a credit card, the interest rate will be different.

1, mortgage (commercial loan)

1. Equal principal and interest

Matching principal and interest: the total monthly repayment amount is fixed, in which the principal part increases month by month and the interest part decreases month by month.

Calculation formula of equal principal and interest: monthly repayment amount = monthly interest rate of principal (1 interest rate), loan months /( 1 interest rate), repayment months-1.

Monthly interest rate = annualized interest rate/12

65,438+0,20,000 yuan in 36 installments. If calculated according to the annual loan interest rate LPR of 4.65%, the total interest is * *1.466.09 yuan, the total repayment is 2 1.466.09 yuan, and the monthly payment is 596.28 yuan.

2. Twenty thousand yuan is divided into 36 installments. If the annual interest rate of the loan is 4.9%, the total interest is * *1546.73 yuan, the total repayment is 2 1 546.73 yuan, and the monthly payment is 598.52 yuan.

Second, the average capital

Average capital: the total monthly repayment decreases, in which the principal part is fixed and the interest part decreases month by month.

Average fund calculation formula: monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate.

Monthly interest rate = annualized interest rate/12

65,438+0,20,000 yuan in 36 installments. If calculated according to the annual loan interest rate LPR of 4.65%, the total interest is * *1433.75 yuan, and the total repayment is 2 1433.75 yuan. Monthly payments are as follows:

Issue 1: 633.06 yuan, issue 2: 630.90 yuan, issue 3: 628.75 yuan, issue 4: 626.60 yuan and issue 5: 624.44 yuan.

........

Issue 365438 +0: 568.47 yuan, issue 32: 566.32 yuan, issue 33: 564. 17 yuan, issue 34: 562.0 1 yuan, issue 35: 559.86 yuan, and issue 36: 5577.

2. Twenty thousand yuan is divided into 36 installments. If the annual interest rate of the loan is 4.9%, the total interest is * *1,5 10.83 yuan, and the total repayment is 2 1, 5 10.83 yuan. Monthly payments are as follows:

Issue 1: 637.22 yuan, issue 2: 634.95 yuan, issue 3: 632.69 yuan, issue 4: 630.42 yuan, issue 5: 628. 15 yuan.

........

No.365438 +0: 569. 17 yuan, No.32: 566.90 yuan, No.33: 564.63 yuan, No.34: 562.36 yuan, No.35: 560.09 yuan and No.36: 557.82 yuan.

Second, provident fund loans.

The calculation of provident fund loans is the same as that of commercial loans, but the loan interest rate is different. The interest rate of provident fund loans is 3.25%, which is an annualized interest rate, far lower than that of commercial loans.

1. Equal principal and interest

Twenty thousand yuan is divided into 36 installments. If the annual loan interest rate is 3.25%, the total interest is * *1.017.89 yuan, the total repayment is 2 1.0 17.89 yuan, and the monthly payment is 583.83 yuan.

Second, the average capital

Twenty thousand yuan is divided into 36 installments. If the annual interest rate of the loan is 3.25%, the total interest is * *1002.08 yuan, and the total repayment is 2 1 002.08 yuan. Monthly payments are as follows:

No.65438 +0: 609.72 yuan, No.2: 608.22 yuan, No.3: 606.7 1 yuan, No.4: 605.2 1 yuan, No.5: 603.70 yuan.

........

No.365438 +0: 564.58 yuan, No.32: 563.08 yuan, No.33: 56 1.57 yuan, No.34: 560.07 yuan, No.35: 558.56 yuan, No.36: 557.06 yuan.

Third. Credit card installment payment

The credit card installment rate for large consumption depends on the number of installments. The shorter the number of installments, the lower the interest rate. Conversely, the longer the number of installments, the higher the interest rate. The common periods are 3, 6, 9, 12, 18, 24 and 36, that is, the shortest period is 3 and the longest period is 36.

20,000 yuan is divided into 36 installments, and the handling fee is charged at one time. The interest rate is 22.32%, the total interest is 4,464.00 yuan, the total repayment is 24,464.00 yuan, and the monthly payment is 555.56 yuan.

Hello, dear, how much will the loan be repaid in 36 months? Thank you.

According to national regulations, the loan is divided into 36 installments, with a maximum of 1047 yuan per month, and the fluctuation does not exceed that of 2 yuan.

Annual interest rate of loan cycle

Loans within six months (including six months) 4.35%

Loans from six months to one year (including 1 year) 4.35%

One to three years (including three years) loan 4.75%

3 to 5 years (including 5 years) loan 4.75%

Loans over five years are 4.90%.

: loans overdue

1, take the initiative to negotiate with the bank. As we all know, escape is not the solution to the problem. Many loan applicants are at a loss when the loan is not repaid. In fact, in this case, you should immediately communicate with the lending institution to solve it. Whether it is to extend the loan term or reduce the repayment amount of each installment, it is a good solution.

2. Apply for a temporary loan from the company. At present, loan applicants will apply for loans from banks first, and the company has a small customer base and low quality. In order to expand their business, many companies have launched temporary loan products. For most temporary loan products, the loan period will not be too long, and it will definitely not exceed one year. For the purpose of temporary loan repayment, the application will generally not exceed three months.

What will happen to loans overdue?

1. When you pay your mortgage overdue, the bank will initially urge you to pay it back quickly, and will add corresponding penalty interest according to your overdue situation. This is not a good thing for buyers, it will only greatly increase the cost of buying a house and spend more money. If you still refuse to repay the mortgage after repeated urging, you are likely to face legal proceedings.

When the bank can't recover the corresponding loan, it will apply for compulsory recovery of your house and auction it at a low price, so that the house you have worked hard to buy will also be owned by others. Moreover, the auction proceeds can only be owned by the buyer after a series of expenses such as bank loans and fees have been settled.

If your house is auctioned at a low price, neither the bank nor the developer will pay you the down payment. In this way, you will not only lose your house, but also pay the down payment for nothing.

4. According to the Credit Management Regulations of the State Council Legislative Affairs Office, the retention period of "bad records" is 5 years. If it has been more than 5 years, the credit reporting agency shall be deleted. However, the credit record will be deleted after 5 years only after the arrears are paid off. If you don't pay it back, your credit history will always be with you.

Borrow 20,000 in 36 installments with interest of 3 points. How much is it to pay back every month?

If you need to calculate the monthly repayment amount of the loan according to the loan principal, loan interest rate, loan term and repayment method, you cannot directly calculate the monthly repayment amount of the loan according to the information you provided.

If you already know the loan interest rate, repayment method and other information, you can also click the following link to open the loan calculator to calculate the interest and monthly repayment amount according to the loan amount, term, interest rate and repayment method.

Reply time: 2022-01-1. Please refer to the latest business changes announced by Ping An Bank in official website.

Excuse me, I borrowed 20,000 yuan from China Everbright Bank in 36 installments, and each installment was paid back to 10 10 yuan. What are your interests?

Hello, the interest generated by the loan will generate different expenses due to product details, comprehensive credit situation, repayment method and time. Everyone's situation is different, resulting in different costs. When applying for a loan, we should not only compare the interest, but also comprehensively examine the reliability of the loan platform to protect our information and property security.

Recommended money flower, formerly known as "Baidu money flower", is a credit brand of Xiaoman Finance. Provide users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman Financial APP (click on the official calculation). Money is easy to borrow and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.

I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.

1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application.

Information requirements: You need to provide your second-generation ID card and your debit card during the application process.

Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.

This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan website shall prevail. I hope this answer is helpful to you.

How much is the monthly loan of 20,000 for 36 installments?

Mainly depends on how much interest the loan gives. Suppose the interest rate is 8%, which is generally 0.8% per month. If the principal is 20,000 yuan and the monthly interest is 160 yuan, the principal is repaid in 36 installments, and the monthly repayment plus interest is 7 15.56 yuan.

Suppose the interest is 3 cents, the interest on the principal of 20,000 yuan is 600 yuan for one month, and the principal is 20,000 yuan divided by 36. The monthly principal is about 555.5 yuan, so the monthly principal plus interest is about 1 155.5 yuan.

Interest on private loans

Article 26 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases stipulates that:

If the interest rate agreed by the borrower and the borrower does not exceed 24% per annum, and the lender requests the borrower to pay interest at the agreed interest rate, the people shall support it.

The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. If the borrower requests the lender to return the interest paid in excess of 36% per annum, the people shall support it.

As can be seen from the above, since the implementation of the Provisions of the Supreme People's Government on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases on September 1 2065438, the standard is no longer whether the annual interest rate exceeds 24%, but whether it exceeds 36%, that is, the annual interest rate does not exceed 36%.

It is recommended that you pay attention to two elements when choosing a loan:

1. Choose a trustworthy brand.

2. Pay attention to the clear and transparent service details of loan products, such as loan amount, loan interest rate, repayment time and repayment method.

Only by choosing reliable loan products can you meet your urgent need for money and ensure that your personal interests are not infringed.