As an authoritative financial institution in China, banks are directly supervised by CBRC and influenced by policies. Generally speaking, the interest rate of bank loans is low, the loan amount is high, and the borrowing cost is lower than other financial institutions. However, some wordless loan products have appeared recently, which are wonderful. As far as I know, there are "bride price loan", "wedding loan", "second child loan" and "wedding loan".
A poster of a bank in mid-March showed a very eye-catching "bride price loan", which was advertised with exaggerated posters. This product can borrow up to 300,000 yuan a year, and the annual interest rate is as low as 4.9%. However, it is puzzling that this loan product is not fully oriented to all people who need loans, but the lender or the lender couple are formal employees of administrative institutions, and its use is stipulated in the newly-married travel and house purchase. The most controversial thing about this loan product is whether this product is promoting the bad habit of high-priced bride price. Isn't this product suspected of promoting and propagating bad marriage concepts?
Another thing worth mentioning is the "second child loan". Under the background of fully opening up the second child, some families want to have a second child, but the family economic conditions are not very good. At this time, these families should think rationally and make a decision after considering all aspects of the family. However, some banks have launched the "second child loan", which is really wonderful. Such a loan product only needs a "photo of parents" and a "birth certificate" to apply for a loan. This kind of loan can be up to 200,000 yuan, and the monthly handling fee is about 0.75%. You can apply online and offline.
In recent years, online celebrity products for specific group loans have emerged one after another. However, as important financial institutions, these banks should be responsible for their own decisions, rather than withdrawing from loan products without social responsibility.
How to convert annualized interest rate into monthly interest rate?
The conversion formula is:
Monthly interest rate (%) = annual interest rate (%)÷ 12
Daily interest rate (%) = annual interest rate (%)÷360
The annualized loan interest rate is calculated according to the ratio of all loan fees charged by the borrower to the actual loan principal, and converted into annualized form. The annualized loan interest rate can be calculated by compound interest or simple interest method: compound interest is calculated by internal rate of return; If the simple interest calculation method is adopted, it should be explained that it is simple interest.
Calculation method
On March 3, 20021March 3 1 day, the People's Bank of China issued an announcement to make relevant provisions on the annualized interest rate of loan products.
When marketing through websites, mobile phone applications, posters and other channels, institutions engaged in loan business should show the annualized interest rate to borrowers in an obvious way. Institutions engaged in loan business include, but are not limited to, deposit-taking financial institutions, auto finance companies, consumer finance companies, companies and Internet platforms that provide advertising or display platforms for loan business.
The manager of a bank in Xi 'an abused the customer, and the screenshot was made into a poster and displayed in the hall. How bad is his behavior?
When many people buy commercial housing, most of them will choose loans to buy a house, and buyers can realize their own buying speed by borrowing from banks, and banks earn interest by mortgage. It stands to reason that as long as property buyers borrow money from banks, bank staff will try their best to provide relevant loan services, but at the same time, some conflicts of interest between some mortgage loan customers and banks are also common. Recently, a manager of a bank in Xi 'an was put into the bank's business hall by customers for insulting loan customers, which also attracted many people's attention and heated discussion.
As can be seen from the online video, in the business hall of a bank in Xi 'an, a man made a huge poster, and the content inside was very eye-catching. After all, this poster was a daily conversation between customers and loan business managers at that time, and the conversation was also full of some indecent words. It seems that these pictures really caught everyone's eye and appetite.
If you look carefully, what kind of information can be spied out from the poster's relevant content, which is probably related to the loan customer and the bank-related business manager responsible for the loan. Especially in this short message screenshot poster, at first, a loan customer greeted the business manager. The content of the greeting is mainly to hope that he is healthy. I didn't expect this sentence to make the bank manager say: Fuck you. It is conceivable that the bank manager is really angry and out of breath.
This is probably some indecent words used by the business manager during the negotiation between the two parties, which finally angered the customers completely. For this reason, the customer also made this poster in a rage and put it in the bank lobby for everyone to enjoy.
Whether there are some problems about the loan contract between the banking manager and the customer is not well communicated in advance, which leads to fierce contradictions between the two sides. Finally, it is also called customer retaliation. It seems that as the business manager of the bank, it really solved some problems in buying houses for everyone, rather than treating them negatively.