(1) repayment method
With the repayment method of equal principal and interest, investors will get a higher real interest rate than the method of paying interest every month and repaying principal at maturity.
(2) Investment habits
After paying the principal and interest, you can continue to invest and get higher interest every year.
(3) the charging standard of 3)p2p platform
The charging standard of p2p platform generally includes: interest management fee, VIP membership fee and cash withdrawal fee. The specific charges depend on different platforms. Investment should try to choose the platform with the lowest cost for investment.
Bian Xiao will give you an example: if you invest in a product, the annualized rate of return is 15%, the investment period is 5 months, and the investment principal is 10000 yuan, how much income can you get?
Our investment is 10000 yuan, and the annual income =10000x15% =1500 yuan; And you have only invested for five months, so the monthly interest =15%/12 =1.25%, and the final income you can get is10000x1.25% X5 = 625 yuan.
625 yuan is acceptable. But don't forget that the platform should also be profitable. The interest management fee for well-known platforms is 8%. The income after payment is 625x( 1-8%)=575 yuan.
Ok, there is only one last fee left, the withdrawal fee. It's free to recharge the website, but you have to go through the formalities to ask for money from the website, dear. Let's take a platform for example. As long as the embodiment fee is 2 yuan money, then our income is 575-2=573 yuan.
I see. Finally, let's deduce what our net annualized income is. Annualized income = (573/10000) x (12/5) =13.752%. Well, this is our final result. In the ideal situation, the annualized income of 13.7525 can be obtained. However, the platform will generally do various activities, and everyone should seize the opportunity.
Finally, Bian Xiao must remind investors that the first principle of investment is not to lose money. While paying attention to returns, investors must measure their own risks. It is suggested to choose a p2p platform with a third-party payment guarantee company to provide principal and interest guarantee. The third-party guarantee company must have sufficient strength. The minimum requirements are a registered capital of more than 50 million yuan and a net asset of more than 200 million yuan.