At present, the loan interest of rural credit cooperatives is usually calculated by the product method based on the actual loan days. Generally speaking, there are two situations, normal interest calculation and overdue interest calculation. The first one is: interest = principal interest rate. Actual loan days (can be counted as the beginning and the end, which varies from place to place). The interest rate is generally determined by the credit cooperatives according to the national listed loan interest rate, which is lower than 2.3 times (allowed by the state). % represents the annual interest rate. ‰ is the monthly interest rate. For example, someone borrowed 6,543,800 yuan in March of 654.38+0, with the loan interest rate of 654.38+ 00.5 ‰ and the maturity date of May 30. When it is agreed to repay the principal and interest in one lump sum, the interest payable by the customer on the maturity date is: principal 100000 days and the interest rate is (10.5 ‰. If it is agreed to charge interest on a monthly basis, the interest that is not charged on a monthly basis may be charged with penalty interest. The proportion of overdue interest and penalty interest is determined at the time of borrowing, which varies from place to place.

Second, how to calculate the loan interest of rural credit cooperatives?

Note: within the period agreed in the contract, the interest rate is calculated according to the interest rate agreed in the contract, that is to say, it consists of two parts: the interest during the contract exceeds the contract interest.

Third, how to calculate the loan interest of rural credit cooperatives?

Note: The interest rate shall be calculated according to the interest rate agreed in the contract within the period agreed in the contract; Beyond the contract period, the interest rate should be raised, that is, it consists of two parts: the interest during the contract period exceeds the contract interest.

4. How much interest does the credit union have when it borrows 50,000 yuan?

About 2 175 yuan.

At present, the annual interest rate of loans from rural credit cooperatives is 4.35%, so if you borrow 50,000 yuan from rural credit cooperatives, the annual interest you need to pay is 50,000× 4.35% = 2175 yuan. This loan interest rate is still very acceptable.