100000 interest rate 4.95 month interest rate 4 12.5 yuan. Interest rates are expressed as annual interest rate, monthly interest rate and daily interest rate, which are expressed by percent sign, micrometer and semicolon respectively. The interest rate of 4.95 generally refers to the annual interest rate of 4.95%. The monthly interest rate is 4. 125‰. It means that the monthly interest per thousand yuan is 4. 125 yuan. You can simply calculate that the monthly interest is 6,543,800 yuan. You can also use the calculation formula of interest: interest = principal _ term _ interest rate.