How much is the interest for two years on a second-hand car loan of 30,000 cents?
发布:班孟夜
If we calculate based on the annualized compre hensive interest rate of 18%, the total amount you need to repay in the end is approximately 49,000 yuan.
For many friends who want to analyze car purchases, it is very important to calculate the interest required for a car loan in advance. Although many car dealers will say that the interest on the loan is very low, if we add up all the interest, we will find that the interest on the loan can even reach the level of the principal. Regarding the question you asked, I will explain it from the following points.
You need to know what the annual interest rate on your car loan is?
Generally speaking, when you go to a car dealer to buy a second-hand car, many car dealers will have fixed loan institutions they cooperate with, and some accounts will also contact you and the relevant banks to apply. The interest rate for loans applied by banks is obviously much lower than that of lending institutions. However, because banks have relatively high application thresholds and have certain requirements for users’ personal credit reports, many people may give priority to applying for loan products from lending institutions.
The loan products of lending institutions generally have annualized interest rates above 18%.
For those relatively formal lending institutions, such institutions generally release loan products with an annualized compre hensive interest rate of 18%. Regardless of the fact that the annualized rate of 18% is very high, this is actually a very conscientious loan interest rate in the industry. Under normal circumstances, car loan interest from small loan companies may reach around 30%. Although this may seem like a loan shark, they will use various service rate rhetoric to indicate that it is nothing more than a service fee.
The installment interest of 30,000 yuan is about 29,000 yuan.
Let’s take three years of analysis as an example. Each year you need to pay an annualized compre hensive interest rate of at least 18%. If you calculate 48%* compound interest, your final actual total repayment amount will be approximately 49,000 yuan. . This is a big expense. In other words, instead of applying for a small car loan, you might as well cash out on a credit card, don’t you think?
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