Monthly 10000.00530 days = 150
Second, hello. I want to borrow 1 ten thousand yuan. The monthly interest rate is 0.5%, so how much do I pay back a month?
Monthly salary 10050 yuan.
According to the meaning of the question, the loan principal is 1 ten thousand yuan, that is, 10000 yuan.
The monthly interest rate is 0.5%,
According to the formula, monthly interest = monthly interest rate of principal.
If you substitute the data in the question, the monthly interest = 100000.5%=50.
Then the sum of one month's principal and interest = 1000050= 10050 (yuan)
Therefore, the loan 1 10,000 yuan, with a monthly interest rate of 0.5%, is 10050 yuan in the current month.
The amount of interest depends on three factors: principal, deposit period and interest rate level.
The calculation formula of interest is: interest = principal x interest rate x deposit term.
In modern economy, interest rate, as the price of capital, is not only restricted by many economic and social factors, but also has a great influence on the whole economy.
Extended data
Factors that arouse interest:
1. Delay consumption. When the lender lends money, it is equivalent to delaying the consumption of consumer goods. According to the principle of time preference, consumers will prefer current goods to future goods, so there will be positive interest rates in the free market.
2. Anticipating inflation, inflation will occur in most economies, representing a certain amount of money, and fewer goods can be purchased in the future than at present. So the borrower needs to compensate the lender for the losses during this period.
3. In addition to alternative investments, lenders can choose to invest their funds in other investments. Due to the opportunity cost, the lender lends money, which is equivalent to giving up the possible return on other investments. Borrowers need to compete with other investments for this fund.
4. Investment risk: The borrower faces the risk of bankruptcy, absconding or non-repayment of debts at any time, and the lender needs to charge extra fees to ensure that compensation can still be obtained under these circumstances.
5. Liquidity preference, people will prefer that their funds or resources can be traded immediately at any time, rather than spending time or money to get them back. Interest rate is also a kind of compensation for this.