The loan principal is 200,000 yuan, with a term of 65,438+00 years. According to the benchmark annual interest rate of loans of the People's Bank of China for more than five years (unchanged), the repayment method of principal and interest is equal, with the monthly payment of 265,438+065,438+0.55, and the total repayment amount is 253,385.75. The simple and popular understanding of loan is to borrow money with interest. 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. 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 within a 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. (1) interest rate The proportion of interest in the total loan funds within a certain period is the performance of the loan price. Namely: interest rate = interest amount/loan principal interest rate is divided into daily interest rate, monthly interest rate and annual interest rate. The lender determines the loan interest rate with the lending bank according to the benchmark interest rate and interest rate floating space announced by relevant laws and regulations of various countries. (II) Benchmark interest rate Benchmark interest rate is an interest rate with universal reference function in the financial market, and other interest rate levels or financial asset prices can be determined according to this benchmark interest rate level. Benchmark interest rate is one of the important prerequisites for interest rate marketization. Under the condition of interest rate marketization, financiers measure financing costs, investors calculate investment returns, and management regulates macroeconomics. Objectively, a universally recognized benchmark interest rate level is needed as a reference. Therefore, in a sense, the benchmark interest rate is the core of the formation of interest rate marketization mechanism.
Second, the loan is 200,000 yuan?
What kind of loan is it? Is it a direct loan from the bank or a guarantee?
Three, 200 thousand yuan, loan for 5 years, how much is the monthly payment?
If the loan principal is 200,000 yuan and the term is 5 years, 38 repayments will be made with equal principal and interest, with a total repayment amount of 225,082.94 and a total interest amount of 25,082.94.
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At present, applying for personal loans to spend in advance has become a lifestyle that people gradually accept. Enjoy first, then consume, and get personal loans, so that modern urbanites with faster and faster pace of life can alleviate the pressure brought by all aspects. The personal loan business continues to expand and a series of comprehensive and fast personal loan services are launched. For example, personal consumption loans, including personal study abroad loans, personal travel loans, personal car loans and so on. Then, all kinds of personal loan business.
Generally speaking, to apply for a personal loan, you need to meet the following conditions:
1. He has a fixed residence in the place where the loan bank is located, has a fixed residence or a valid residence certificate, is under 65 years of age (inclusive), and has full capacity for civil conduct.
2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;
3. Have a good credit record and willingness to repay, and no bad credit record;
4. Being able to provide legal, effective and reliable guarantee recognized by the bank;
5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;
6. Other conditions stipulated by the bank.
Generally speaking, for personal comprehensive consumption loans, personal credit loans and other loan types, the conditions for applying for loans largely depend on the level of credit accumulation to issue loans, which can increase the amount of your certificates, income certificates and so on.
In order to standardize the loan behavior, safeguard the legitimate rights and interests of both borrowers and lenders, ensure the safety of credit assets and promote the sustainable development of social economy, the General Rules for Loans will be implemented on August/October/October 20 10/day according to the Law of the People's Republic of China on the People's Bank of China and the Law of People's Republic of China (PRC) Commercial Bank.