The loan is 65,438+0,000,000 years, the repayment method is average capital, and the annual interest rate of the loan is 4.90%. Then the repayment in the first month is 3 186. 1 1 yuan, with a monthly decrease of 1 1.34 yuan, and the total interest is 7554 17 yuan. The loan amount is 654.38 million yuan, the term is 3 years and the loan interest rate is 4.90%. Use different repayment methods.
The loan is 654.38 million yuan for three years. What are your interests?
Interest calculation formula: interest = principal x annual interest rate x term bank loans are calculated according to one year 12 months, with 30 days in a month, which is equivalent to 3 12/30=3.4 months and 3.4/ 12=0.293. Therefore, the interest to be repaid =100000x6.9% x0.293 = 2021.7 yuan.
How much interest you need depends on the term of your loan. Generally, it is a one-time calculation, and then it is evenly distributed to each month. If you want to repay in advance, you should consult the bank first. The bank seems to have charged a certain fee.
There are two issues to be clarified: 1. Are the three months of your loan 30 days or 3 1 day respectively? 2. Is the bank you loan calculated on the basis of 360 days or 365 days a year? Every bank has a formula for calculating interest: interest = principal * annual interest rate * actual loan days /360, assuming three.
Borrowed 654.38 million, with a term of 3 years. How much is the interest for three years?
If the ordinary loan lasts for three years, the interest is 5. 15%, and the interest = principal × interest rate× term, then it is100000 * 5.15% * 3 =15450 yuan. If it is a provident fund loan, the annual interest rate is 2.75%, 654,350 yuan.
The simple and popular understanding of loan is to borrow money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them.
Loans in a broad sense refer to loans and interest subsidies? A general term for borrowing funds such as overdraft. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Common sense of interest calculation:
The interest rate conversion formula for RMB business is:
Daily interest rate = annual interest rate ÷360= monthly interest rate ÷30
Monthly interest rate = annual interest rate12
Banks can use product interest method and transaction interest method to calculate interest.
The product interest method accumulates the account balance daily according to the actual number of days, and multiplies the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is:
Interest = cumulative interest-bearing product × daily interest rate, where cumulative interest-bearing product = total daily balance.
The transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:
If the interest-bearing period is a whole year, the interest-bearing formula is:
① Interest = principal × year× annual interest rate
If the interest-bearing period is a whole year and several days, the interest-bearing formula is:
② Interest = principal × year × annual interest rate+principal × odd days × daily interest rate.
At the same time, the bank can choose to convert the interest period into actual days to calculate interest, that is, 365 days per year, and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is as follows:
③ Interest = principal × actual days × daily interest rate
These three formulas are essentially the same, but because the interest rate conversion is only 360 days a year, when calculating the actual daily interest rate, it will be calculated as 365 days a year, and the result will be slightly biased.
Which formula is used specifically, the central bank gives financial institutions the right to choose independently. Therefore, the parties and financial institutions can agree on this in the contract.
Loan Baidu encyclopedia
What is the three-year interest on the loan of 65,438+10,000 yuan?
A three-year ordinary loan with interest of 5. 15% and interest = principal × interest rate× term, so100000 * 5.15% * 3 =15450 yuan. Provident fund loan with annual interest rate of 2.75%. 10 yuan.
The calculation method of credit card installment loan fee is installment fee = total installment amount * installment fee rate. The total installment principal is amortized on a monthly basis, and the balance is included in the last installment, and the installment amount and handling fee of each installment are also included in the bill.
Data expansion:
During the use of the credit card, if the credit card fails to repay in time and is collected by the payee, it will be responsible for paying off the arrears immediately, and will bear legal responsibility in serious cases, which will also have an impact on the user's future loans. Try not to overdue.
When you apply for a credit card, you need to fill out an application form You need to fill in the address and contact information on the application form. If it is overdue, you should inform the issuing bank immediately, because some bills will be sent home every month. Develop good consumption habits, use consumption cards rationally, live within your means, and don't spend beyond your affordability.