(4161.28-4000) ÷ 36 = 4.48 yuan formula: monthly interest = after-tax interest ÷ period, so you can find the answer. Here are some formulas for everyone: annual interest rate = monthly interest rate × 12 (month) = daily interest rate ×360 (day), monthly interest rate = annual interest rate ÷ 12 (month) = daily interest rate ×30 (day), and daily interest rate = annual interest rate ÷360 (day)
1. Interest tax is a tax levied on people who earn interest income in Hong Kong. The scope of taxation includes the interest earned on bonds, real estate pawns, mortgage IOUs, deposits, loans, temporary payments or other debts in Hong Kong, and all of them are taxed according to regulations unless otherwise exempted.
There are two ways to determine the source of interest: providing credit check and operating check. The former is applicable to the determination of business and personal interest sources, that is, the source of interest is determined according to the place where the lender delivers the loan to the borrower; The latter applies to the determination of interest sources of banks and financial institutions, that is, according to the place where transactions are made and substantial profits are obtained.
2. The real interest rate refers to the return that the lender should get by sacrificing the opportunity of consumption and giving the funds to the borrower for priority use.
After the lender recovers the loan, it may be because of inflation that the principal recovered by the lender cannot buy the goods before the loan. In order to make up for the loss of purchasing power, the lender will ask for compensation equivalent to the inflation rate. How can this interest rate be adjusted to reach its equilibrium level in the market economy? Irving fisher, an economist, defines the real interest rate as the percentage of premium that a commodity will pay for the same commodity in the future.