Interest rate calculation method
Current month's repayment amount = total loan amount ÷ repayment times.
Current month's interest = last month's remaining principal × monthly interest rate
= total loan amount × (1- (repayment months-1)÷ repayment times )× monthly interest rate = monthly repayment amount+interest of the current month.
= total loan ×( 1÷ repayment times +( 1- (repayment months-1)÷ repayment times )× monthly interest rate)
Total interest = the sum of all interests.
= total loan × monthly interest rate × (repayment times -( 1+2+3+). . . +repayment times-1) ÷ repayment times)
Where 1+2+3+…+ repayment times-1 is a arithmetic progression, and its sum is (1+ repayment times-1) × (repayment times-1)/2 = repayment times × (repayment times-).
Adjustment scope before and after project adjustment
I. Deposits of urban and rural residents and units
(1) demand deposit 0.36 0.36 0.00
(2) lump-sum time deposit
Three months1.981.71-0.27
Half a year 2.25 1.98 -0.27
1 year 2.52 2.25 -0.27
2 years 3.06 2.79 -0.27
Three years 3.60 3.33 -0.27
Five years 3.87 3.60 -0.27
Second, loans.
Six months 5.04 4.86 -0. 18
5.58 5.3 1 -0.27 a year
One to three years 5.67 5.40 -0.27
Three to five years 5.94 5.76 -0. 18
More than five years 6. 12 5.94 -0. 18
Three, personal housing provident fund loans
Less than five years (including five years) 3.5 1 3.33 -0. 18
More than five years 4.05 3.87 -0. 18
Project annual interest rate%
I. Short-term loans
Within six months (inclusive) 5.35
Six months to one year (inclusive) 5.8 1
Second, medium and long-term loans
One to three years (inclusive) 5.85
Three to five years (inclusive) 6.22
More than five years 6.40
Three, the discount is determined by the discount rate as the lower limit.