Can not let the human persist in 2011, the central bank to increase interest rates and interest rates, the CPI rises again.In the face of interest rate, the majority of slaves are not HOLD, banks played a long row, stem what?"The mortgage prepayment ah, or else to duotao many interest."The experts suggest you need not worry, exactly what a?What is the bank loan interest rates?
What is the bank loan interest rate?I do not know that
"My loan has not down, raising the interest rate plus two times, when interest rates what ah?"Hangzhou Lee said at the beginning of 2011, he from a state-owned commercial bank to apply for housing mortgage loans 800000 yuan, but for nearly three months, the loan before, but to the two rate hike the central bank.If according to the latest interest rate to calculate, his monthly rise of at least 200 yuan.
In contrast, if the execution of the contract is signed the old rates in Lee's comparative advantage.What should interest rates before the implementation of the new interest rate or?Now many property buyers are faced with the same problem.However, in the final analysis we still on how to count the interest rates of bank loans do not quite understand.If you understand the problem, the new interest rate divided nature be nothing difficult.
What is the bank loan interest rates?First, the old and the new
It is understood, for the implementation of the new interest rate or interest rate, currently on the market there are two main means of identification, one is in accordance with the date of entry into force of the contract, namely the bank, mortgage registration or developers security completed; another way is to take effect on the IOUs, also is the so-called loans.
According to industry sources, many banks are lending to division of new old rate.In addition, to remind the industry, how to determine the general interest rate will be specified in the contract, if the contract does not specify, shall be based on the effective date of the contract shall prevail.
What is the bank loan interest rates?- universal formula
Determine the method to determine the new interest rate, then is calculated for various types of loans the interest rate?Is there a calculation method of put things right once and for all?Yes, of course.In order toThe auto loan repaymentFor example, calculation formula of Judai: A=P{i (1+i) ^n/[(1+i) ^n 1]}
A: monthly;
P: the total amount of contributions;
I: monthly interest rate (at /12);
N: contributions to the total number of months (* 12);
In that month, the total amount of the loan payments, and the total number of months after, can put these data into, and thus easy to calculate a monthly rate, and that the bank loan interest rate.
As everyone knows, the loan interest rate not only determines the return of bank, it is the main factor to decide the loan cost.However, after this, we will have what is the bank loan interest rates the cloud cast to be flung to the four winds.Even if the central bank to start raising interest rates policy how, you smiled, absolutely don't smoke.
Relevant data to make unsecured unsecured credit loans in Shenzhen need to:
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