At present, the bank's short-term loan interest rate within six months is 4.35%, and the monthly interest on the loan 1 10,000× 4.35% ÷12 = 36.25 yuan.
I. Short-term loans
1, six months (inclusive), with annual interest rate of 4.35%.
2. For half a year to one year (inclusive), the annual interest rate is 4.35%.
Second, medium and long-term loans
1, one to five years (inclusive), with an annual interest rate of 4.75%.
2. For three to five years (inclusive), the annual interest rate is 4.90%.
3. For more than five years, the annual interest rate is 4.90%.
According to the regulations of the People's Bank of China, the loan interest rates of various banks can float freely at present, so the loan interest rates of various loans of various banks will be different, and the interest to be paid for loans will be more or less.
Calculation formula of bank loan interest:
1. Equal principal and interest:
Add up the loan interest and principal, and then spread it equally to each month of the loan term, and pay back the same money every month.
Calculation formula: monthly repayment amount = [monthly interest rate of principal (1 monthly interest rate) loan months ]/[( 1 monthly interest rate) (repayment months-1)].
Second, the average capital:
Divide the loan principal equally, and calculate the interest of the current month according to the remaining unpaid amount. The principal of each repayment remains unchanged, and the interest is getting less and less.
Calculation formula: monthly repayment amount = (principal/repayment months) (principal-accumulated principal repaid) × monthly interest rate.
What is the monthly interest on the loan 10000?
The annual interest rate of bank loans is 3.85%. Suppose you deposit 10000 yuan with annual interest of 385 yuan.
The annual interest rate of bank loans is 3.85%. If the calculation method of one-time repayment of principal and interest is adopted, the loan interest is 3.85% of the loan principal, and the loan term is (years). However, if you use equal principal and interest or equal principal repayment, because the formula is complicated, we will not write the formula here for the time being, and users can use the calculator provided online to calculate the corresponding interest.
In short, the loan interest rate of 3.85% is a low loan interest rate, and the bank loan can be obtained at this interest rate, which shows that the credit qualification conditions of users are excellent.
The calculation method of annual interest rate is: interest = number of years of deposit. If you deposit 65438+ 100000 yuan in the bank for two years with an annual interest rate of 3.85%, the interest after two years will be 770 yuan, and the total principal and interest will be 10770. However, if you deposit a fixed deposit for one year, you can enjoy compound interest, with the interest of 385 yuan in the first year and 399.8 yuan in the second year, and the principal plus interest 10784.8. The daily interest rate is usually expressed as a few ten thousandths of the principal, calculated on a daily basis. The specific calculation formula is: daily interest rate = annual interest rate 360= monthly interest rate 30; The monthly interest rate is expressed as a few thousandths of the principal, and the interest is calculated monthly. The specific calculation formula is: monthly interest rate = annual interest rate 12= daily interest rate 30.
For example, the daily interest rate of a loan product is five ten thousandths, which means the daily interest rate is 0.05%. If it is calculated as 30 days a month and 360 days a year. Then, its monthly interest rate is 0.05%30= 1.5%, and its annual interest rate is1.5%12 =18%.
For most people, interest rate is not only the cost of loan, but also the reference of deposit income. So, whether it's a loan or a deposit. Users must know its daily, monthly and annual interest rates. Then, according to your own judgment, decide whether to borrow or deposit.
In addition, some private lending interests also need users' attention. Some interest here refers to the monthly interest rate. For example, two interest points mean that the monthly interest rate is 2% and the annual interest rate is 2% 12=24%. The user borrows 10000 yuan, and the interest is 2400 yuan a year.
How much is the monthly interest on a loan of 10 thousand yuan from the bank?
Borrowed 1 ,000 yuan from the bank, and earned interest of 1.5 yuan every day. So, is the interest on this money high or low?
The author calculated an account for everyone, and the daily interest is 1.5 yuan, which means that 45 yuan is at most one month (calculated by 30 days), and 540 yuan is next year. So according to the last paragraph, is the interest generated by this account high or low? According to the current interest rate, 10000, the daily 1.5 yuan interest can be considered as a low standard, and it is a very low one. 65438+100000, interest 1.5 yuan, that is, the interest rate of 1.5%, which is equivalent to the annualized deposit interest rate of about 4.8%.
However, this low interest rate is not common. General mortgage companies and some large enterprises can enjoy this low interest rate. For example, in some cities, most bank loans will rise by 5% to 30%, and the real interest rate is between 5. 145%-6.37%, which is significantly higher than the daily interest rate 1.3%. As for individuals or small and medium-sized enterprises lending to banks, the interest rate has never dropped. Whether it is a mortgage loan or a credit loan, the interest rate is basically above 6%. Banks will exceed the benchmark interest rate by 30%-50% in the process of handling loans.
For example, the bank's monthly interest rate is about 0.75%, that is, the monthly interest rate of 1 0,000 yuan is 75 RMB, and the daily interest rate is about that of 2.5 yuan, which is twice that of 1.3 yuan.
It is worth noting that the credit consumption loan is equal to the repayment of principal and interest, and the monthly interest rate will not decrease with the decrease of this amount. For example, the loan 10000 is repaid in minutes 12 months, and the monthly interest in the first month is 0.75%, and 908.3 yuan is repaid, including the principal of about 833 yuan. In the fifth month, I have paid back 10000 yuan in four installments, which is about 3333 yuan. It is reasonable to say that the interest behind should be charged according to the remaining principal of 6666 yuan, but I'm sorry, I think too much, and the interest to be paid is still 10000 yuan.
The monthly interest rate of 0.75% mentioned by the author is not bad. It is not easy to borrow money from the bank at this interest rate. What worries me most is that if you give the bank an annual interest rate of 15%, the bank may not give you a loan, because it is really difficult to get money from the bank. In a word, you are happy, because you borrow 1 000 yuan from the bank and earn 1.5 yuan interest every day. I don't know how happy you are.
How much is the interest on a monthly loan of 10 thousand yuan?
Annualized interest rate 14.4%, monthly interest of 10,000 yuan 120 yuan. According to the monthly interest rate = annual interest rate/12 and monthly interest rate =14.4%/12 =10.2%, if the loan is 10,000 yuan, the interest to be paid is14.4.
What is the annual interest rate？
The annual interest rate refers to the deposit interest rate for one year. Interest rate is the abbreviation of "interest rate", which refers to the ratio of interest amount to deposit principal or loan principal in a certain period. Usually divided into annual interest rate, monthly interest rate and daily interest rate. The annual interest rate is expressed as a percentage of the principal, the monthly interest rate as a percentage, and the daily interest rate as a percentage. When the economic development is in the growth stage, the investment opportunities of banks increase, the demand for financing funds increases and interest rates rise. On the contrary, when the economic development is depressed and the society is depressed, the willingness of banks to invest decreases, the demand for financing funds naturally decreases, and the market interest rate is generally low.
Calculation method of annual interest rate
On March 3, 20021March 3 1, the People's Bank of China issued an announcement stipulating the annualized interest rate of loan products. The annualized loan interest rate should calculate the ratio of the total loan cost received by the borrower to the actual loan principal and convert it into an annualized form. The annualized loan interest rate can be calculated by compound interest or simple interest method. The calculation method of compound interest is internal rate of return method; If the simple interest calculation method is adopted, the simple interest shall be explained.
All institutions engaged in loan business must show the annualized interest rate to borrowers in a clear way when marketing through websites, mobile apps, posters and other channels. Institutions engaged in financing business include deposit financial institutions, auto finance companies, consumer finance companies, companies, and Internet platforms that provide advertising and display platforms for financing business, but are not limited to this.
Generally speaking, after the central bank expanded the money supply, the total supply in loanable funds increased, the supply exceeded demand, and the natural interest rate dropped. On the contrary, the central bank implemented a tight monetary policy, reduced the money supply, and did not seek loanable funds's supply, so interest rates rose.
How much is the loan interest for 11 thousand months?
If you borrow from China Merchants Bank, the specific monthly payment and interest depend on your loan execution interest rate and repayment method. You can make a monthly payment trial through China Merchants Bank official website or Mobile Banking, and the trial results are for reference only.
Mobile banking: log in to mobile banking and click My-All-Assistant-Financial Calculator-Loan Calculator;
China Merchants Bank Home Page: Central Financial Instrument-Personal Loan Calculator.
Enter the loan amount, annual interest rate, loan term, repayment method and other information, and try to calculate the monthly loan amount and interest.