Calculated according to the interest rate and loan amount agreed in the loan contract, dear.
Interest = loan interest rate
Second, how to calculate the average interest rate of enterprise loans?
Average interest rate algorithm of enterprise loans: average interest rate of loans = interest income of bank loans (16%)/ average daily loan balance. According to the relevant interest: the calculation formula of enterprise loan interest rate: average loan interest rate = bank loan interest income (16%)/ daily average loan balance.
Third, how to calculate the weighted interest rate?
Weighted interest rate = sum of interest rates incurred in the current period/cumulative weighted average of actual principal incurred in the current period.
Weighted interest rate refers to the interest rate that can roughly reflect the cost of mixed loans through relevant calculation formulas.
For example, Company A applies for a loan from a bank for a project with a term of 1 year, 3 years and 5 years, and the interest rates are 5.5%, 5.65% and 5.76% respectively. The loan amount is 6,543,800,000 yuan, and the loan period is 5 years. Therefore, the calculation process of the weighting rate of this project is as follows:
10005.5% 5 = 2.75 million yuan
10005.65% 5 = 2.825 million yuan
10005.76% 5 = 2.88 million yuan
The total interest is: 8.455 million yuan.
823.5/3000/5=5.64%
That is, the weighted interest rate of the loan of this project is 5.64%.
Generally speaking, the formula for calculating the weighting rate is as follows:
Weighted interest rate = sum of actual interest incurred in the current period of special loan/weighted average of principal of special loan × 100%.
Four, how to calculate the average interest rate of corporate loans?
Average interest rate algorithm of enterprise loans: average interest rate of loans = interest income of bank loans (16%)/ average daily loan balance. According to the relevant interest: the calculation formula of enterprise loan interest rate: average loan interest rate = bank loan interest income (16%)/ daily average loan balance.