Corporate loans must involve interest, so how to calculate the loan interest? In fact, how to calculate the loan interest is closely related to the repayment method. Below, we will give you a comprehensive introduction to the algorithm of loan interest. Classification includes: one-time repayment of principal and interest, equal repayment of principal and interest, equal repayment of principal and interest, and monthly management fee.

_ One-time repayment of principal and interest at maturity

One-time repayment of principal and interest at maturity means that the borrower does not repay the principal and interest monthly during the loan period, but pays the principal and interest at one time after the loan expires. If the loan term is less than one year (including one year), the principal and interest will be repaid in one lump sum, and the interest will be paid with the principal.

One-time repayment of principal and interest at maturity, where the amount of one-time repayment of principal and interest at maturity = loan principal × [expected annualized interest rate 1 year (%)], where the expected annualized interest rate is equal to the expected annualized interest rate per month multiplied by 12.

_ Interest calculation of equal principal and interest repayment

Matching principal and interest repayment method refers to the borrower's equal repayment of loan principal and interest every month, with a large proportion of interest repayment in the early stage of the loan, a small proportion of principal, and a large proportion of principal repayment in the later stage of the loan. The characteristic of equal principal and interest repayment method is that the principal increases month by month, the interest decreases month by month and the monthly repayment amount remains unchanged.

The calculation formula of monthly repayment amount is as follows: monthly repayment amount: a [I (1I) n]/[(1I) n-1] (Note: A loan principal, I loan month expected annualized interest rate, n loan month) is very complicated to calculate, and users can use a calculator to calculate loan interest.

_ Calculation of interest repaid by average capital

The average capital repayment method means that the borrower repays the principal on average every month and pays off the interest between the last repayment date and the current repayment date.

Calculation formula of equal principal repayment: monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly expected annualized interest rate, etc. The calculation of equal principal and interest is very complicated, and users can use calculators to calculate loan interest.

_ Interest calculation of monthly management fee

With the advancement of the expected annualized interest rate marketization, many banks or small loan companies often charge monthly management fees and one-time fees, which is actually charging interest in disguise.

The loan is 654.38 million yuan. If the monthly management fee of a loan product is the fee that the user needs to pay, then it is the total fee = loan principal × monthly management fee × number of months, that is, 100000×× 12=6600 yuan.

The calculation formula of the so-called one-time fee is: loan amount × one-time rate. In short, the calculation of loan interest is not simple, and users need to master some basic knowledge in advance.

Weizhong Bank Company borrows 600,000 yuan, and repays 24,000 yuan of principal and interest every month.

Hello, the loan is 600,000 yuan, and the principal and interest will be repaid in 20 years. According to the current bank benchmark interest rate, the calculation results are as follows: Matching principal and interest repayment method: the total loan amount is 600,000 yuan.

00 yuan for 240 months, the monthly repayment is 409,565,438+the total interest paid by 0 yuan is 3,824,429 yuan, and the total principal and interest is 9,824,429 yuan.

What's the interest rate of the packaging company's loan of 6 million yuan?

Monthly repayment interest: 528,000.00. The principal of 6 million yuan is borrowed from the bank 1 year, which is repaid on a monthly basis with the benchmark interest rate of 5.6%. The monthly interest of the following two loan methods is as follows: matching principal and interest repayment method: total interest: 183553.4 1 accumulated repayment amount: 6 183553.4 1 monthly repayment interest: 515296./kloc-0.

The company borrowed 2 million yuan from the bank with a loan term of 65,438+0 years and interest of 5.64. How to calculate the monthly interest?

1, simple interest (that is, after the bank settles interest every quarter, the money will be drawn from the enterprise deposit account and credited to the bank interest income account):

2000000 (6%/123)12 = 360000 yuan. Or directly: 20000006%3=360000 yuan.

2. Compound interest (that is, after the bank settles interest every quarter, the enterprise does not pay interest, and the interest settlement is transferred to the principal to participate in the interest settlement in the next quarter, also known as "rolling interest");

2000000 [(16%123)12-1] = 391236.34 yuan. (Note: 12 means 12 power, *.

How to calculate the interest on corporate loans?

The bank's short-term loan interest rate is generally 6-8%, especially now that it is liberalized. If it is a big enterprise, you can go further. The loan interest of different companies is different, and there are many influencing factors.

Extended data:

Loan interest refers to the reward that the lender gets from the borrower for issuing monetary funds, and it is also the price that the borrower must pay for using the funds. Bank loan interest rate refers to the ratio of interest amount to principal amount during the loan period. The interest rate of loan contracts with banks and other financial institutions as lenders can only be determined through consultation within the upper and lower interest rate limits stipulated by the People's Bank of China. If the loan interest rate is high, the repayment amount of the borrower will increase after the loan term, otherwise it will decrease. There are three factors that determine loan interest: loan amount, loan term and loan interest rate.

Loan interest settlement

Small farmers' loans from rural commercial banks will be repaid with profits. If it is a cross-year loan, the interest must be settled in one lump sum before the end of the year. The interest settlement date is 65438+ February 20th every year.

Except for small-scale farmers' loans, short-term loans (with a term of less than one year, including one year) bear interest according to the legal loan interest rate of the corresponding grade on the signing date of the loan contract. During the loan contract period, in case of interest rate adjustment, interest will not be calculated by installments.

Short-term loans are settled quarterly, and the 20th day of the last month of each quarter is the settlement date; If the interest is settled on a monthly basis, the 20th of each month is the interest settlement date. The specific interest settlement method shall be determined by the borrower and the lender through consultation. Interest that cannot be paid on schedule during the loan period shall be compounded quarterly or monthly according to the loan contract interest rate, and after loans overdue, at the default interest rate. When the last loan is paid off, the profit will be paid off with the principal.

The interest rate of medium and long-term loans (with a term of more than one year) should be fixed at one year. The loan (including all the funds that should be allocated by installments within one year from the effective date of the loan contract) bears interest according to the legal loan interest rate of the corresponding grade on the effective date of the loan contract, and the interest rate for the next year is determined according to the legal loan interest rate of the corresponding grade at that time after each full year (subject to the payment date of the first installment loan). Medium and long-term loans are settled quarterly, and the 20th of the last month of each quarter is the settlement date. The interest that cannot be paid on schedule during the loan period shall be compounded quarterly according to the contract interest rate, and after loans overdue, it shall be compounded at the default interest rate.