Banks generally calculate the interest income of loans based on the interest income of the previous year, plus the interest income of new loans in that year.
For example, at the end of 20X5, a bank realized loan interest income of 6.5438+0.7 million yuan each, and the net increase plan of 20X6 loan was 300 million yuan. Suppose the average interest rate of bank loans is as follows: short-term loans 9%, medium-and long-term loans 9.65%, and medium-and long-term loans 65%. How to calculate the estimated loan interest income of 20X6 bank?
20 12 year loan interest increase forecast: 3000035% 9% 3000065% 9.65% = 28.2675 million yuan, and 20X6 year income forecast:/kloc-0 17002826.75 = 3526.75 million yuan. This is based on the prediction in the book. In practice, the interest rate will be calculated one by one according to the loan details of the credit management system, and then the estimated interest rate of 20X6 new loans will be calculated.
First, the loan interest rate. Bank loan interest is based on the loan guidance interest rate of the People's Bank of China. The following is the benchmark interest rate of the central bank in 2065438+2008, and the actual loan interest rates of banks may vary greatly.
Second, how to calculate the interest on bank loans?
How to calculate the interest on bank loans? Calculation formula of loan with equal principal and interest: monthly repayment amount (referred to as monthly principal and interest) = loan principal x monthly interest rate x [(1monthly interest rate) repayment months ][( 1 monthly interest rate) repayment months ]- 1.
Calculation formula of average capital loan: monthly repayment amount (referred to as monthly principal and interest) = (loan principal/repayment months) (principal-accumulated amount of repaid principal) x monthly interest rate.
Differences between two loan interest calculation methods
These two calculation methods are different. The loan with equal principal and interest is calculated according to compound interest. At the settlement time of each repayment, the interest generated by the remaining principal will be calculated together with the remaining principal (loan balance), that is to say, the outstanding interest will also be calculated, which seems to be more severe than "rolling interest". In foreign countries, matching principal and interest loan is recognized as a loan method suitable for the interests of lenders.
However, the average capital loan uses a simple interest rate method to calculate interest. At the settlement time of each repayment, only the remaining principal (loan balance) is calculated, which means that the interest on outstanding loans is not calculated together with the outstanding loan balance, only the principal is calculated.
The longer the loan term, the more interest the loan with equal principal and interest will generate than the loan with average capital. Therefore, if the borrower cannot adjust (or choose) the repayment method, the borrower with longer loan term should choose the average capital loan.
Bank savings, although the interest is not high, but as long as you deposit properly, the income will be greatly improved. How to maximize interest income through savings? If you have a sum of money you don't need for the time being, you decide to deposit it in the bank. Then, you can get higher interest by referring to the following items.
1, lump-sum deposit and withdrawal, selected. The longer the term, the higher the annual interest rate.
During the period of low interest, Xiaoming has 50,000 yuan and intends to deposit it in the bank. The bank has 65,438+0-year, 2-year, 3-year and 5-year time deposit products. Then, the annual interest rate of five-year deposits is usually higher than that of three-year, two-year and 1 year deposits.
2. Bank time deposit
Choose your time deposit and how many years you want to deposit, and the interest rate is the highest.
Xiaoming has 50,000 yuan and plans to save it for three years. The bank has 1 year, 2-year, 3-year and 5-year time deposit products. Then, Xiaoming's three-year direct deposit is usually higher than three 1 year or 1 biennium 1 year.
3. If the term you want to deposit is not within the fixed deposit period, the greater the difference between the two deposit periods after the split, the greater the average annual interest rate.
Xiaoming has 50,000 yuan and plans to save it for 7 years. The bank has 1 year, 2-year, 3-year and 5-year time deposit products. Then, Xiao Ming chooses a five-year period and two 1 year, which is usually higher than the average annual interest rate of two three-year periods and 1 year.
4. Select "Compound Deposit Method"
In other words, if two or more kinds of deposits are used for arbitrage, the interest will be higher than that of a single deposit.
Xiaoming has 50,000 yuan, so save it first. Then take out the monthly interest and deposit it in another savings account. In this way, Xiao Ming will make the monthly interest generated by this 50,000 yuan regenerate interest through one-time withdrawal, that is, a sum of money will eventually generate two interests.
5. Choose large negotiable certificates of deposit for the same period.
The interest rate of this deposit is higher than the interest rate of time deposit for the same period.
NCDS is the abbreviation of large negotiable certificate of deposit, which refers to bank deposit certificates issued by banks that can be transferred and circulated in the financial market within a certain period of time. A receipt issued by a commercial bank to absorb funds. That is, a transferable time deposit certificate, indicating the deposit term and interest rate, and the holder can withdraw the principal and interest from the bank at maturity.