1-3 years (including 3 years) with an annual interest rate of 5.40%. The monthly interest rate is 0.45%, and the monthly accrued interest is 225,002,540,000. When borrowing money, the bank deposit is 5 million. Loan: Long-term loan-principal 5 million. Monthly accrued interest (65,438+0) is used for operating loans: financial expenses are 22,500. Loan: Long-term loan-interest 22500. (2) For capital construction: 22,500 yuan.
Second, how to calculate the interest on bank loans?
Bank loans bear interest on a daily basis and are settled quarterly! The calculation of deposit interest is 30 days a month and 360 days a year. The loan interest is calculated according to the actual days.
The segmentation calculation is:
Interest payable = actual days of monthly interest rate of principal /30/ 1000
Assume that the loan issuance date is 65438+2009 1 October1and the maturity date is 65438+February 3, 20091.
2009- 1- 1 to 2009-3-2 1, 500000006.22579/30/1000 = 819625.
March 2, 20091to June 2, 20091,50000006.22592/30/1000 = 954500.
June 2, 20091to September 2, 20091,50000006.22592/30/1000 = 954500.
September 2, 20091to 2009-121,500000006+0/30/1000 = 944125.
2009- 12-2 1 to 2009- 12-3 1, 500000006.22510/301000 =/.
The five interest sections add up to 3776500.
If the interest is calculated according to the annual interest rate = principal /360 actual days.
3776500=50000000/3603647.47
I want to add a little to the discount calculation on the second floor. Some banks need to add three days to discount bills in different places, and there is no one-year bank acceptance bill.
Discount interest = (due date-additional days of discount date) discount rate /30/ 1000 face value.
3. What is the interest rate for the unit to borrow 5 million yuan from the bank? How much is the interest? How to calculate?
1-3 years (including 3 years) with an annual interest rate of 5.40%. The monthly interest rate is 0.45%, and the monthly accrued interest is 225,002,540,000. When borrowing money, the bank deposit is 5 million. Loan: Long-term loan-principal 5 million. Monthly accrued interest (65,438+0) is used for operating loans: financial expenses are 22,500. Loan: Long-term loan-interest 22500. (2) For capital construction: 22,500 yuan.