The total loan amount is 65,438+000,000.00 yuan, the repayment period is 36 months, the monthly repayment is 3,087.71yuan, and the total interest paid is 65,438+065,438+0,654,38+057.55 yuan.
Divided by time, Taiping month) is 5.60%; The annual (including three years) loan interest from half a year to one year (including one year) is 6.15%; Third, the loan interest is 6.40%; The loan interest for more than five years is 6.55%.
But there are some differences in different regions. Taking Hangzhou as an example, the loan interest rate of Ping An Bank is divided into two categories. One is for civil servants, top 500 companies, state-owned enterprises and institutions. For such customers, the benchmark interest rate will generally rise by more than 2%, which is equivalent to the annual interest rate 1 1%. For such customers, the benchmark interest rate will generally be around * * 1.6638.
The regular interest calculation of Ping An Bank's loan refers to the bank's interest calculation at the loan interest rate stipulated by the bank from the 20th of the last month of each month or quarter, which is defined as the 20th of the last month of the interest settlement quarter, 2 1. Calculation of interest-bearing days for regular interest: 365 days or 36 days of the whole year are not counted as the last day, that is, the loan date is counted as the first day, and the interest settlement date should be included in the calculation of interest-bearing date. The formula is loan interest = (annual interest rate ÷360).
Calculation method of personal loan interest rate of Ping An Bank
Ping An Bank loans include short-term provident fund loans, and each loan has a different annual interest rate. Taking 10000 yuan as an example, it can be calculated according to the following formula:
Loan interest 1 0,000 =10,000× annual interest rate× year. For example, the two-year interest on a loan of 10,000 yuan = 10000× annual interest rate× years = 10000×5.25%×2.
Extended data
Conditions for handling loans with Ping An Easy Loan Insurance
The loans underwritten by Ping An Easy Loan Insurance can be used for some business needs of any reasonable individual, merchant or private enterprise, such as travel, study, house decoration and purchase of production equipment.
To apply for Ping An Yi, you need to meet the following conditions: you must be 2 1-55 in China, live in the city you apply for, and have worked in your current unit for more than 6 years. Once the customer is successfully insured, the cooperative bank can promise that the loan will arrive quickly.
2. Ping An Easy Loan is RMB 654.38+10,000 with a term of three years and the interest rate is calculated at 2.28. How much is the interest? ...
The loan is 654.38 million yuan, with an annual interest rate of 2.28%, and the principal and interest are repaid in accordance with the law. The monthly payment is about 2978 yuan, and it will be repaid for three consecutive years.
3. The loan from Ping An Bank is 654.38 million yuan, with an annual interest rate of 654.38+08.36. If the loan is repaid monthly for three years, how much interest will it cost for three years?
This is easy to calculate. Download a loan calculator, input the loan amount 100000 yuan, the loan term is 36 months, the annual interest rate is 18.36%, and the repayment method is equal principal repayment, and then output the results. As you can see, your monthly principal payment is 2777.78 yuan, and the first month interest is 1530 yuan. The answer you want also shows that the total interest is 28305 yuan.
Four. What is the monthly repayment of Ping An loan of 654.38 million yuan for three years?
The annual interest rate of Ping An Credit Loan is 5.25%, 65,438 438+ 10/00,000 years, and it will be implemented on June 28, 2065,438+. Total interest = annual interest rate of principal =100005.25% 3 =17750 yuan monthly repayment amount = (1000017750) ÷ (123) = 3270.8. According to the relevant regulations of China Banking Regulatory Commission, any loan shall not be used for investment in the stock market, futures market or any other equity investment. Ping An Easy Loan Insurance Loan can be used for any reasonable enterprise emergency or emergency, including purchasing materials. As we all know, it is impossible to borrow money from banks without collateral, and Ping An Group's new "credit guarantee insurance" has solved this problem. Lenders don't have collateral, and banks worry that customers can't pay back their money and can't control their risks. So the bank left risk management to Ping An to check the customer's information. Ping An will sign a "credit guarantee insurance" policy with customers if it is determined that the applicant has sufficient repayment ability after examination. For customers with credit insurance, with Ping An Group as the credit guarantee, they can directly bring the credit policy to the cooperative bank to sign a "personal consumption loan" contract. After the contract is signed, the cooperative bank will lend the money to the applicant's account according to the date stipulated in the contract. (Hint: Ping An's credit guarantee insurance premium does not need to be paid by customers in advance, and the insurance premium is deducted once after the loan comes down, and the bank interest and monthly repayment amount are deducted regularly every month) "Ping An Easy Loan Insurance" was piloted in Shenzhen before, also called "Xin An Easy Loan", which was directly lent by Ping An Trust, with 0/8 outlets1200 million, and the average loan amount in the past two months. On average, 7,000 customers apply for loans every month, and about 4,500 customers have successfully obtained loans, with an approval rate of 65%. Most customers are approved at1-40,000, a few at 40,000-60,000, and a few high-quality customers can approve 7- 1 10,000. As the second pilot city, Shanghai is also quite successful. In 2008, Ping An Easy Loan officially entered the mainland market and opened in Guangdong, Zhejiang, Jiangsu and other regions.