The loan in the bank is RMB 30,000.00 Yuan, with a term of 3 years and monthly repayment. The annual interest rate is 9.49%, and the interest is as follows:
Matching principal and interest repayment method:
Total interest: 30,000 x 9.49% x3 = 8541yuan.
Total repayment: 385,465,438+0 yuan.
Monthly repayment interest: 30000x9.
2. If you deposit100000 yuan, you will get interest of 456 yuan every month. What is the annual interest rate？
The monthly interest rate is usually expressed as one thousandth, that is, if you deposit 1000 yuan, how much interest can you get every month; The annual interest rate is usually expressed as a percentage, that is, if you deposit 100 yuan, how much interest you can get every year. If you deposit 100000 yuan and the monthly interest rate is 456 yuan, the monthly interest rate (monthly interest rate) is 4.56% and the annual interest rate (annual interest rate) is 4.56x 1.2 25.472, that is, the annual interest rate is 5.472%, if you deposit 65438 yuan. This interest rate is not low, exceeding the one-year loan interest rate stipulated by the People's Bank of China.
3. The annual interest rate of the loan is 4.56%, and the loan is 654.38 million yuan. How exactly is three years calculated?
Matching principal and interest method: loan principal: 100000, assuming annual interest rate: 4.560% and loan life: 3 years; Monthly repayment amount of principal and interest: 2977.37 yuan, total repayment amount of principal and interest: 107 185.32 yuan, * * interest payable:. The interest paid in 1 month is: 380; The first 1 month principal repayment is: 2597.37; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)
Formula of equal principal and interest method (n is the number of months): monthly repayment amount = monthly interest rate of loan principal [( 1 interest rate) n]/[( 1 interest rate) n- 1]
4. The annual interest rate of the loan is 4.56%, and the loan is 6,543,800 yuan. How exactly is three years calculated?
Equal principal and interest method:
Loan principal: 100000, assuming annual interest rate: 4.560% and loan term: 3 years; Monthly repayment of principal and interest: 2977.37 yuan, total repayment of principal and interest: 107 185.32 yuan, * * interest payable: 765432 yuan. The interest paid in 1 month is: 380; The first 1 month principal repayment is: 2597.37; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle). Formula of equal principal and interest method (n is the number of months): monthly repayment amount = monthly interest rate of loan principal [( 1 interest rate) n]/[( 1 interest rate) n- 1]