1 thought on “What kind of loan does Renren's car loan go?”
Cory
Everyone's car loan is a bank loan. Established in April 2014, Renren Cars was established in April 2014. It has developed a comprehensive car trading service platform that integrates second -hand cars, new car transactions, financial services, after -sales, etc. through its first second -hand car C2C trading model. In terms of second -hand cars, the platform only sells 249 professional testing of a professional test without accident. At the same time, for individual buyers, Renren car also provides 14 days of return, one year/20,000 kilometers of core component warranty, 200 million million million yuan A series of after -sales guarantees such as meta -guarantee funds lead the industry's change. The expansion information: . Car loan The loan of the car loan refers to a loan issued by the lender to the borrower who applies to buy a car. Auto consumer loans are a new loan method for banks who buy car buyers who buy car buyers at their special dealers at their special dealers. The interest rate of car consumer loans refers to the proportion of loans and principals that banks are issued by banks to consumers to purchase self -use cars (including household cars or 7 -seat (inclusive) business cars below 7 (inclusive). The higher the interest rate, the greater the amount of the consumer repayment. . The loan loan repayment method The can choose the one -time principal and interest payment method and installment return method (equivalent principal and interest, equivalent principal). 1. The one -time repayment method , also known as the repayment of the principal and interest payment method at a time, refers to the borrower not repaid the principal and interest on a monthly basis during the loan period, but the one after the loan expires. The principal and interest, the personal housing loan of the one -year (including one year) issued by the People's Bank of China a few days ago, uses this method. The current banks stipulate that the loan period is within one year (including one year), so the repayment method is to repay the principal and interest at a time, and the principal of the loan at the beginning of the current period and the interest of interest during the entire loan period. The calculation formula of the principal and interest payment method at one time is as follows: The repayment of the principal and interest rate = loan principal × [1 annual interest rate (%)] (loan period is one year) Pay repayment of principal and interest = loan principal × [1 monthly interest rate (‰) × loan period (month)] (less than one year of loan period) Slock: monthly interest rate = annual interest rate ÷ 12 2, equivalent principal and interest The equivalent principal and interest refers to a repayment method for a home purchase loan. During the repayment period, the same amount of loans (including principal and interest) is repaid per month. The monthly repayment amount calculation formula is as follows: [Loan principal × monthly interest rate × (1 monthly interest rate)^repayment month] ÷ [(1 monthly interest rate)^repayment month -1] 3, equivalent principal is equivalent to the total amount of loans during the repayment period, and repay the principal of the same amount and the remaining loans of the same amount per month. The principal amount is fixed, and the interest is getting less and less. At first, the lender's repayment pressure was greater, but the number of repayment of the monthly repayment of the monthly repayment was getting less and less. Equal principal loan calculation formula: monthly repayment amount = (loan principal / repayment month number) (principal -repayment of the accumulated amount of principal) × monthly interest rate
Everyone's car loan is a bank loan. Established in April 2014, Renren Cars was established in April 2014. It has developed a comprehensive car trading service platform that integrates second -hand cars, new car transactions, financial services, after -sales, etc. through its first second -hand car C2C trading model. In terms of second -hand cars, the platform only sells 249 professional testing of a professional test without accident. At the same time, for individual buyers, Renren car also provides 14 days of return, one year/20,000 kilometers of core component warranty, 200 million million million yuan A series of after -sales guarantees such as meta -guarantee funds lead the industry's change.
The expansion information:
. Car loan
The loan of the car loan refers to a loan issued by the lender to the borrower who applies to buy a car. Auto consumer loans are a new loan method for banks who buy car buyers who buy car buyers at their special dealers at their special dealers. The interest rate of car consumer loans refers to the proportion of loans and principals that banks are issued by banks to consumers to purchase self -use cars (including household cars or 7 -seat (inclusive) business cars below 7 (inclusive). The higher the interest rate, the greater the amount of the consumer repayment.
. The loan loan repayment method
The can choose the one -time principal and interest payment method and installment return method (equivalent principal and interest, equivalent principal).
1. The one -time repayment method
, also known as the repayment of the principal and interest payment method at a time, refers to the borrower not repaid the principal and interest on a monthly basis during the loan period, but the one after the loan expires. The principal and interest, the personal housing loan of the one -year (including one year) issued by the People's Bank of China a few days ago, uses this method. The current banks stipulate that the loan period is within one year (including one year), so the repayment method is to repay the principal and interest at a time, and the principal of the loan at the beginning of the current period and the interest of interest during the entire loan period. The calculation formula of the principal and interest payment method at one time is as follows:
The repayment of the principal and interest rate = loan principal × [1 annual interest rate (%)] (loan period is one year)
Pay repayment of principal and interest = loan principal × [1 monthly interest rate (‰) × loan period (month)] (less than one year of loan period)
Slock: monthly interest rate = annual interest rate ÷ 12
2, equivalent principal and interest
The equivalent principal and interest refers to a repayment method for a home purchase loan. During the repayment period, the same amount of loans (including principal and interest) is repaid per month.
The monthly repayment amount calculation formula is as follows: [Loan principal × monthly interest rate × (1 monthly interest rate)^repayment month] ÷ [(1 monthly interest rate)^repayment month -1]
3, equivalent principal
is equivalent to the total amount of loans during the repayment period, and repay the principal of the same amount and the remaining loans of the same amount per month. The principal amount is fixed, and the interest is getting less and less. At first, the lender's repayment pressure was greater, but the number of repayment of the monthly repayment of the monthly repayment was getting less and less. Equal principal loan calculation formula: monthly repayment amount = (loan principal / repayment month number) (principal -repayment of the accumulated amount of principal) × monthly interest rate