A few cents of interest in private lending usually refers to a few percent of the monthly interest. \ x0d \ x0d \ For example, the interest rate of 3 points is 3% per month. \ x0d \ x0d \ Take the loan 10000 yuan as an example. According to the monthly interest rate of 3%, the monthly interest is: \x0d\ 10000×3% = 300.00 yuan \ x0d \ x0d \ several centimeters, which is the monthly interest rate.