1. Jiujiang Bank loan requirements. I want to borrow 200,000 yuan. I want it in one month. How much is the interest? What is the repayment method? It depends on the lending bank, the term of the loan and the loan
The latest central bank loan benchmark interest rate in 2015 is as follows:
Loans within six months (including 6 months) 5.35 for six months to 1 The loan per year (including 1 year) is 5.75. The loan over five years is 5.9.
Currently, the three-year loan interest rate stipulated by the People's Bank of China is 6%, but each bank does not implement it exactly the same, and it can fluctuate up or down.
Take ICBC as an example:
The 3-year loan interest rate of ICBC on March 1, 2015 is: 5.75%
If the loan is repaid monthly There are 2 repayment methods: one is equal principal and interest repayment, the other is equal principal repayment, the choices are different!
Equal principal and interest calculation formula:
[Loan principal × monthly interest rate × (number of months) ÷ [(interest rate of 1 month) ＾ number of repayment months – 1]
Equal principal calculation
Monthly repayment amount = (loan principal ÷ number of repayment months) (principal - cumulative amount of principal repaid) × monthly interest rate
(The ＾ symbol represents the exponent)
How much interest will be paid on a bank loan of 200,000 yuan per month?
The principal of 200,000 yuan will be repaid monthly in a bank loan for 3 years. The base interest rate is 5.75%. The monthly interest rates for the following two loan methods are as follows:
Equal amount
Total interest: 18223.29
Cumulative loan repayment
Monthly repayment interest: 6061.76
How can I get a loan? Do I need to go to the bank to apply for it? What procedures are required?
2. Go to the bank? How much interest is required for a loan of 200,000 yuan per month?
If you borrow 200,000 yuan from a bank, the basic annual interest rate for a short-term loan within one year is 4.35%, and the interest for a loan of 200,000 yuan per month is 2,000,004.35%/12 =395 yuan. The loan interest rates of other banks will fluctuate up and down the interest rates of Bank of China.
3. How can I get a loan of 200,000 yuan from the bank and how much is the interest rate per month?
If you apply for a mortgage loan, the annual base interest rate will increase by 10%-50%. The annual interest rate is around 10%.
The process of applying for a bank loan:
1. The borrower applies for a loan. ;
2. Prepare loan-related information;
3. Account manager loan investigation;
4. Bank approval;
5. Both parties sign a loan contract;
6. Implement mortgage, pledge, unsecured contract or other guarantee contract;
7. Bank loan;
8. Post-loan Management;
9. The principal and interest will be returned when the loan is due.