Example 1: suppose an enterprise obtains a one-year revolving credit agreement from a bank, with an amount of 2 million yuan and a promised interest rate of 0.5%, and the borrowing enterprise uses 1.4 million yuan during the year. What is the commitment fee that the borrowing enterprise should pay to the bank?

Solution: (200- 140)×0.5%=0.3 (ten thousand yuan)

Example 2: The revolving credit line of the enterprise is 6,543,800,000 yuan, and the promised interest rate is 0.4%. 65438+1 October 1 borrowed 5 million from the bank, and in August1borrowed 3 million. If the annual interest rate is 8%, what is the interest and commitment fee paid by the enterprise to the bank at the end of this year?

Solution 1: interest = 500×8%+300×8%×5/ 12 = 50 (ten thousand yuan).

Commitment fee = 200× 0.4%+(300× 0.4 %× 7/12) = 0.8+0.7 =1.5 (ten thousand yuan)

Interest+commitment fee = 50+ 1.5 = 5 1.5 (ten thousand yuan)

Scheme 2: Interest =500×8%+300×8%×5/ 12=50 (ten thousand yuan).

Unused loan amount =1000-[500+300× (5/12)] =1000-625 = 375 (ten thousand yuan).

Commitment fee =375×0.4%= 1.5 (ten thousand yuan)

Interest+commitment fee = 50+ 1.5 = 5 1.5 (ten thousand yuan)