The loan is 30,000 yuan with a term of two years. The monthly interest needs to be calculated according to the loan amount, term, interest rate and repayment method, as follows: 1, with a loan of 30,000 yuan. If the interest rate is 4.75% and the interest is 30,000 times 4.75% = 1425, two years is 24 months, 3 10. 2. The interest calculation formula is principal multiplied by interest rate multiplied by borrowing time = interest; 3. Different bank loan interest rates are different. The calculation method of quarterly interest of bank loans is as follows: 1, and loan interest = principal times time times interest rate; 2. The principal multiplied by the interest rate agreed in the contract (annual interest rate) divided by 360 times the number of quarters or the principal multiplied by the interest rate agreed in the contract (monthly interest rate) divided by 30 times the number of quarters; The interest of general bank loans is calculated with compound interest every month. There are two ways to repay by installments, one is equal principal and interest, and the other is average capital. In the short term, you can also repay the principal and interest in one lump sum. Matters needing attention in handling loans are as follows: 1. Loan amount. When applying for a loan, the amount applied cannot be too high. The larger the loan amount, the higher the possibility of rejection. At the same time, borrowers should apply for loan amount according to their repayment ability to avoid the economic pressure brought by high monthly payment; 2. Loan information: The borrower must ensure that the information provided to the lending institution is true and complete. Once suspected fraud is discovered, the lending institution will directly refuse the loan; 3. Purpose of the loan: When filling in the purpose of the loan, the borrower should write down the purpose of the loan frankly and clearly, which will make it easier to pass the examination. The materials to be submitted for handling the loan are as follows: 1, proof of stable income source, bank flow sheet, labor contract, etc. 2. Proof of stable address, house lease contract, utilities, property management and other related certificates; 3. Personal identification, which can be ID card, residence permit, household registration book, marriage certificate, personal credit report and other information; 4. To apply for a mortgage loan, you also need to provide relevant information about the mortgaged items, such as the real estate license of the mortgage loan, vehicle registration certificate, motor vehicle driver's license, car purchase invoice, etc.
Second, if you borrow 30,000 yuan and pay 3,000 yuan every month, what's the interest?
A: This question is incorrect. What's the interest rate for borrowing 30 thousand yuan and paying 3000 yuan a month?
If that's what you mean, let's calculate the interest rate! Because interest = principal x interest rate x time, interest rate = interest ÷ principal X_, that is, 3000 ÷ 30000 = 0.1=10%. Someone should have put it there. I hope you are careful not to get involved in this kind of transaction. Because high-profit goods are illegal and not protected by law.
3. Excuse me, the loan is 30,000 yuan, and the monthly interest rate is 2.28. Is this high? How much do you pay back every month? Is it Koryo?
According to what you said, this is calculated.
The monthly interest rate is 2.28%
The annual interest rate is 27.36%
The annual interest is 8208 yuan.
The monthly interest is 684 yuan
According to the annual interest rate, it already belongs to that category.