20111kloc-0/October 26th, I borrowed a one-year loan of 40,000 yuan from Shandong Rural Credit Cooperative. I forgot what the interest rate was then, and now I want to pay it back. The credit rating is. 20111kloc-0/on October 26th, the benchmark interest rate for one-year loans announced by the central bank was 6.56%. Credit cooperatives go up by 90%, and the real interest rate is: 6.56x (1+90%) =12.464% (annual interest rate, the annual interest rate announced by the central bank is 360 days, and the daily interest rate is equal to the annual interest rate divided by 360).

The daily interest of 40,000 yuan is: 40,000 x12.464%/360 =13.85 yuan.

Before the expiration of the main contract, the interest you need to pay every day is 13.85 yuan. How many days will the total number of days be counted until your actual repayment date? If you pay back now, 65 days in advance, then your actual payment days are 300 days.

13.85X300=4 155 yuan. If you repay the loan immediately, that's the amount of interest you should pay. Everything is calculated in actual days.

If it is overdue, a penalty interest of 50% will be charged for the overdue part. That is, the overdue daily interest is 13.85X 1.5=20.78 yuan.

I hope to adopt. Thank you ~ ~