The 3-year loan interest rate is 5.75%, and the monthly interest rates of the following two loan methods are as follows:
1. Matching principal and interest repayment method:
Total interest: 27,334.94.
Total accumulated repayment: 327,334.94.
Monthly repayment interest: 9092.64
2. Average capital repayment method:
Total interest: 26,593.75.
Total accumulated loan repayment: 326,593.75.
Monthly repayment interest: 9770.83
I. Calculation of interest
Monthly interest rate = daily interest rate ×30
Annual interest rate = monthly interest rate × 12
Interest = interest product × daily interest rate
Interest (year) = principal × annual interest rate (percentage) × deposit period
Or interest = principal × interest rate× time
Deposit interest = principal x days x listing interest (daily interest rate) = interest-bearing days x daily interest rate
Interest tax = deposit interest (income tax payable) × applicable tax rate
The amount of interest depends on three factors: principal, deposit period and interest rate level.
The calculation formula of interest is: interest = principal x interest rate x deposit term.
According to People's Republic of China (PRC) State Taxation Administration of The People's Republic of China Guoshuihan [2008] No.826, since June 9, 2008, personal income tax on savings deposit interest is temporarily exempted, so the interest tax on savings deposit interest is temporarily exempted at present.
2. Matters needing attention in loan:
1. When applying for a loan, the borrower makes a correct judgment on his economic strength and repayment ability according to the loan interest rate. Design a repayment plan according to your income level, leaving room appropriately, without affecting your normal life.
2. Choose the appropriate repayment method. There are two repayment methods: equal repayment and equal principal repayment. Once the repayment method is agreed in the contract, it shall not be changed during the whole loan period.
3. Repay on time every month to avoid penalty interest. From the month after the loan is initiated, it is generally the repayment date of the next month. Don't cause liquidated damages because of your negligence, so that banks can't apply for loans again.
4. Take good care of your contracts and IOUs, read the terms of the contracts carefully, and know your rights and obligations.
Can Guangzhou Ping An Good Loan Micro-loan be a borrower?
Yes According to the information of Ping An Small Loan Co., Ltd., it is learned that Guangzhou Ping An Good Loan Small Loan can be used as a borrower. Lenders can still do it for a long time. Guangzhou Ping An Good Loan Co., Ltd. was incorporated in Guangzhou Administration for Industry and Commerce on 2015100619. The legal representative is Han Xiao, and its business scope includes business operations.
What are the terms of Ping An loan in China?
Ping An Loan belongs to the newly integrated Ping An Pratt & Whitney financial business cluster under Ping An Group. Ping An Loan is aimed at private owners and small and micro-business owners with stable jobs, stable incomes and good business conditions.
Ping An Bank's large consumption loan conditions:
1, aged 25 to 55;
2. The average monthly income is 3,000 yuan, and Beijing, Shenzhen, Guangzhou, Shanghai and Hangzhou are 4,000 yuan;
3. Have a stable job, the salaried person has been working in the current unit for 3 months continuously, and some customers need 6 months;
4. Living and working in the following areas (other areas are being carried out one after another): Beijing, Shanghai, Tianjin, Chongqing, Guangdong, Zhejiang, Fujian, Jiangsu, Shandong, Liaoning, Sichuan, Hubei, Yunnan and Hainan. Note: The above provinces and cities will be provided with loan services by Shenzhen Development Bank, a subsidiary of Ping An Group.
5. China citizens with full capacity for civil conduct and second-generation identity cards;
6. No bad credit record.
For more information about Ping An loan conditions in China, please go to: See More.
What are the requirements for Ping An Bank loan?
Ping An Bank has loans that need neither mortgage nor guarantee. Ping An Bank provides credit loan business. Credit loan is a loan that can be applied only by the borrower's reputation, and it does not require the borrower to provide collateral or third-party guarantee.
Like Xinyi Loan, it is an unsecured and unsecured credit loan product launched by Ping An Bank. This product can be applied only by credit, and the loan amount is up to 500,000 yuan, which is mainly aimed at people with stable and continuous wage income and working-class (or self-employed) with operating income.
The new loans are mainly used for personal consumption (car purchase, decoration, travel, further education, wedding, medical care, etc. ), and does not support the purchase and investment. If you want to apply for a new loan, you must first be between the ages of 23 and 55; Secondly, the city where you work and live should have the business outlets of Ping An Bank; Also, there must be a stable and legitimate source of work and economic income; Moreover, personal credit should be good, and there is no bad credit record on the credit report.
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This is the end of the introduction of Guangzhou Ping An Loan and Guangzhou Ping An Loan Wang Xiaoting. I wonder if you found the information you need from it?