I made a loan of 30,000 yuan in 24 installments, and the interest in the last month was 7 18. After the 24th issue, it is more than 17000, including service fee, security fund and so on. It is best not to borrow money. I regret it, and I can't return it if I want to.
Second, CreditEase Loan Who knows how to calculate the interest? Borrowed 90 thousand for three years How much should I pay back the principal and interest? Please answer
Equal principal and interest, especially high, such as interest of 2 points, no matter how much interest you still have.
I'll work it out for you when I get back.
The interest of 2 points is also 154800 yuan.
It must be higher than two interest rates, and it is not recommended to find a small loan.
Average capital plus interest
Normal 2.3
If your qualifications are good, lower them a little.
I even made one at their house today.
2. 1
I'm not in charge of this
Accept the audit of their company
90 thousand, you can sign 36 installments, with a lot of interest
I calculate the interest at two points.
Do you do the math yourself
Third, how much is the interest on borrowing 30 thousand a year?
According to the benchmark interest rate of one-year loan set by the central bank of China of 4.35%, the annual interest of 30,000 yuan loan can be calculated as 1.305 yuan. The algorithm is as follows: the known principal is 30,000 yuan, the interest rate is 4.35%, and the loan term is 1 year. The calculation formula of substituting loan interest: interest = principal interest rate, loan term = 300004.35%, 1 = 1305 (yuan). The results show that the annual interest of a loan of 30,000 yuan is 65,438+0,305 yuan. "Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Principle: The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles." 1. Loan security is the primary problem faced by commercial banks; 2. Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time; 3. Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan. Interest: interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator. In civil law, interest is the legal fruit of principal.
4. How much is the loan of 30,000 yuan a year in CreditEase?
Generally, the annual comprehensive rate of small loans is above 20-30%, depending on your personal credit qualification.