The expected annualized interest rate policies of banks for personal business loans are different, generally, the benchmark expected annualized interest rate rises by 5%- 10%.

Operating loan interest calculation formula:

1. The conversion formula of the expected annualized interest rate of RMB business is (note: common for deposits and loans);

① Daily expected annualized interest rate (0/000)= annual expected annualized interest rate (%)÷360= monthly expected annualized interest rate (‰)÷30.

②. Expected annualized monthly interest rate (‰) = expected annualized interest rate (%)÷ 12.

2. Banks can use product interest method and transaction interest method to calculate interest.

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Reply time: 202 1- 12-22. Please refer to the latest business changes announced by Ping An Bank in official website.