Different repayment methods have different interest algorithms.

1. Equal principal and interest

Total interest payable = loan term, monthly interest rate of loan principal (65438+ 10), loan term /((65438+ 10), loan term-1)- loan principal.

Second, the average capital

Total interest payable = monthly interest rate of loan principal (1 number of loan periods) /2

1 000001cent How much is the interest for one year?

654.38+100000 yuan is a little interest, depending on whether it is daily interest, monthly interest or annual interest, the result is different. The interest of a point is 1%. According to this calculation, the daily interest is100001%365 = 365000, and the monthly interest is100001%12 = 65438.

Expressions about annual, monthly and daily interest rates: (1) The annual interest rate is the interest calculated based on the annual interest period. The annual interest rate is expressed as a percentage of the principal. Ten percent is an interest. 1% is one centimeter. (2) The monthly interest rate is the interest calculated on a monthly basis. The monthly interest rate is expressed as a few thousandths of the principal. One ten thousandth is the dividend, that is, 1% is 1. (3) The daily interest rate is in days.

Take ICBC as an example: the interest rate of ICBC is 6.600%.

Note: The borrower of personal credit loan must be a high-quality customer of China Industrial and Commercial Bank, with a credit score above 80, the maximum loan amount not exceeding 200,000 yuan, and the loan term generally not exceeding one year and three years. The loan interest rate bank will fluctuate on the basis of the benchmark interest rate stipulated by the central bank according to the lender's credit situation.

The interest rate of personal credit loans of banks is based on the benchmark interest rate of the central bank and fluctuates. 20 15 The benchmark interest rate implemented by the bank is: 5.6% for less than one year (including one year), 6.0% for one to five years (including five years) and 6. 15% for more than five years. Because it is a personal credit loan, the real interest rate tends to rise by a certain percentage, which may rise by 10%-50%. How much will it float? Actually, it depends on the actual situation of the borrower. Personal income is high, qualifications are good, and interest rates may rise less. On the contrary, it may rise even more.

How to calculate one cent interest?

The so-called one-point profit is the monthly interest1%; The annual interest rate is 12%. If you borrow 10000 yuan, the interest for one month is: 0000× 1%= 100 yuan; If you borrow 10000 yuan, the annual interest is: 0000×1%×12 =1200 yuan.

How to calculate the interest of loan 1 minute?

If it is annual interest, 1 minute interest, that is, the annual interest rate is 10%, that is, one year 100 yuan interest.

If it is monthly interest, 1 minute interest, that is, monthly interest 1%, annual interest rate = 1% 12= 12%.

1. Loan repayment method

(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.

(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

2. Loan term: The maximum validity period of the mortgage line is 5 years, the maturity date of the pledge line shall not exceed the maturity date of the pledge right, and the maximum validity period of the credit line and guarantee line shall not exceed 5 years. The validity period of the line shall be calculated from the effective date of the loan contract. If the borrower applies for two or more lines of pledge, mortgage, guarantee or credit at the same time, the Construction Bank will verify the validity of the borrower's personal consumption line loan according to the shortest line. After the limit expires, it is not allowed to continue to withdraw the remaining limit.

How to calculate the loan interest?

The so-called one-point profit is the monthly interest1%; The annual interest rate is 12%. If you borrow 10000 yuan, the interest for one month is: 0000× 1%= 100 yuan; If you borrow 10000 yuan, the annual interest is: 0000×1%×12 =1200 yuan.

How to calculate the profit of loan 1, and how much interest do you get for 50 thousand yuan a year?

Some interest of private lending is calculated on a monthly basis, and some interest is a few percent of the monthly interest. For example, one point is one percent of the monthly interest rate, and two points is two percent of the monthly interest rate. By analogy, the annual interest is calculated, with one-point interest 12% and two-point interest of 24%.

1 Dividend If it is the annual interest rate, 50,000 yuan will earn 5,000 yuan a year; If it is a monthly interest, you will earn 6000 yuan a year. The key is to see whether this dividend refers to the monthly interest rate or the annual interest rate. One year is 10%, and one month is 12%.

Extended data

According to China's relevant loan law, private loans that exceed the benchmark interest rate of China Bank by 4 times in the same period will not be protected by law.

Since 20 15, the central bank has repeatedly proposed to cut interest rates, so the current domestic benchmark interest rate for loans over five years is 5.65%. According to this interest rate, it is four times 22.6%. If this interest rate is converted into some interest, it is a little more than 1.883. Therefore, as long as private lending is higher than1.883 (more than 5 years), private lending is not protected by national laws.