The calculation formula is annual interest rate = interest ÷ principal ÷ time×100%. The loan amount is 2000 yuan, and the actual down payment amount is 1800 yuan, so the principal is 1800 yuan. If the repayment is 2 12 1 yuan after three months, the interest will be 2121-1800 = 321yuan. Annual interest rate = interest ÷ principal ÷ time ×100% = 321÷1800 ÷ 3x12x100% = 7/kloc-0. 2. The annual interest rate of online loans is 24% to 36%, which belongs to the natural debt area. If the annual interest rate is in this part, you don't have to pay it back if you don't pay it back. If it has been returned, there is no right to return it. 3. If the annual interest rate of online loans is less than 24%, it is legal, and this part must be given. : P2P online loan interest is related to borrowers and investors, so the choice of P2P online loan interest method has an impact on both parties. The interest rate of P2P online lending is generally calculated on an annual basis. Moreover, it also has a professional name-annualized rate of return. The calculation formula of annualized income is: annualized income = principal × annualized rate of return × investment days /365. For example, if you borrow 10000 yuan and pay back the principal and interest of 12000 yuan one year later, what is the annualized interest rate? Annualized interest rate = (repayment amount-loan principal)/loan principal = (12000-10000)/10000 = 20%. Remember, the repayment method here is to pay back the money after one year, so it is equivalent to paying back the money after you use this 10000 yuan for a whole year. However, in the online lending platform, it is more repayment by installments, that is, you borrowed 10000, and paid it back 1000 every month, and paid it all off after one year. On the surface, they all borrowed 10000 and paid it back one year later 12000. But if you repay 1 000 every month, you have to pay not only interest, but also part of the principal, so your principal will be reduced next month, and the corresponding interest will also be reduced. The annual interest rate is 7 1.33%. The calculation formula is annual interest rate = interest ÷ principal ÷ time×100%. The loan amount is 2000 yuan, and the actual down payment amount is 1800 yuan, so the principal is 1800 yuan. If the repayment is 2 12 1 yuan after three months, the interest will be 2121-1800 = 321yuan. Annual interest rate = interest ÷ principal ÷ time ×100% = 321÷1800 ÷ 3x12x100% = 7/kloc-0.
Second, how to calculate the interest of private lending?
At present, the highest annual interest rate of private lending is 14.6%, and the highest monthly interest rate is 1.22%. In this range, it is legal.
The specific basis is as follows: According to the provisions of Article 25 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases, if the lender requires the borrower to pay interest at the interest rate agreed in the contract, the interest rate agreed by both parties shall exceed four times the market quotation of one-year loan when the contract is established.
At present, the latest loan market quotation is August 22nd, 2022, and the loan market quotation (LPR) published by the National Interbank Funding Center authorized by the People's Bank of China is 65438+3.65%, with a term of 0 years, 5 years and above, and 4.3%. The above LPR is valid before.
From August 22nd of the year of merger, the citizen interest rate is 14.6%, and the highest monthly interest rate is 1.22%. The new LPR of each LPR will be invalid, and the interest rate of private lending will be adjusted with the change of LPR. Therefore, it is necessary to calculate the maximum annual interest rate of private lending according to the standard of 4 times LPR stipulated by law.
Third, how to calculate the interest on online loans?
It's all different.