One-year deposit interest rate: 3.25% loan: 6.3 1%

Second, the deposit interest is higher than the loan interest?

That's not true. Whether the result is right or not, just look at the interest rate and you will know who is higher and who is lower. The loan interest rate is 3.25 and the deposit interest rate is 2, so we can know that the loan interest rate is higher. There is a misunderstanding in this result. A one-time deposit of 500,000 yuan is 10 years, but the loan is not like this. One twentieth of Wan Li's money has to be paid back every month, which is equivalent to borrowing for only one month, while Wan Li borrowed only one twentieth of his money. After borrowing for 10 years, the interest will be much less, which is the error.

Third, the difference between loan interest rate and interest.

1. Define different interest rates. The interest rate is the ratio of the amount of interest to the amount of borrowed funds, that is, the principal, in a certain period, usually expressed as a percentage. There are annual interest rate, monthly interest rate and daily interest rate according to different standards of measurement term. Interest refers to the reward that the currency holder (creditor) gets from the borrower (debtor) for lending money or monetary capital. Or money other than the principal generated by deposits and loans (different from' principal'). 2. The calculation formula is different interest rates = interest/(principal x time) × 100%. The interest calculation formula is: interest = principal × interest rate × time. In short, interest rate is a ratio; And interest is a specific amount. Interest rate is the interest level of unit currency in unit time. Interest rate refers to the ratio of the amount of interest to the amount of borrowed funds (principal) in a certain period. Interest rate is the main factor that determines the capital cost of enterprises, and it is also the decisive factor for enterprises to raise funds and invest. To study the financial environment, we must pay attention to the current situation and changing trend of interest rates. Interest rate refers to the ratio of the interest amount due in each period to the par value of the borrowed, deposited or borrowed amount (called the total principal). The total interest of the lent or borrowed amount depends on the total principal, interest rate, compound interest frequency and the length of time of lending, deposit or borrowing. Interest rate is the price that the borrower needs to pay for the money borrowed, and it is also the return that the lender gets by delaying his own consumption and lending it to the borrower. The interest rate is usually calculated by the percentage of one-year interest to the principal. Generally speaking, interest rates are expressed by annual interest rate, monthly interest rate and daily interest rate. 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. Therefore, modern economists pay special attention to the relationship between various variables and the balance of the whole economy when studying the decision of interest rate. Interest rate determination theory has also experienced the evolution and development of classical interest rate theory, Keynesian interest rate theory, loanable funds interest rate theory, IS-LM interest rate analysis and contemporary dynamic interest rate model. 1, the amount of interest depends on three factors: principal, deposit period and interest rate level. The calculation formula is: (1) interest (year) = principal × annual interest rate (percentage) × deposit period; Or interest = principal × interest rate× time. (2) Deposit interest = principal × days × listing interest (daily interest rate) = interest-bearing days × daily interest rate. (3) Interest tax = deposit interest (income tax payable) × applicable tax rate. 2. Factors affecting interest rates: mainly the marginal productivity of capital or the relationship between supply and demand of capital. In addition, there is the length of time promised to send money and the degree of risk taken. Interest rate policy is the main means of macro-monetary policy. In order to intervene in the economy, the government can indirectly adjust the domestic inflation level by changing interest rates.