The loan interest rate is 3.66%, which means the annual interest rate is 3.66%.
The loan interest rate of 3.66% generally refers to the annual interest rate of 3.66%. That is to say, if the borrower borrows 10000 yuan, then the interest generated in one year is: 100003.66, and the interest rate is very low. However, it is difficult to apply for a loan if the user's credit record is not good under the conditions given by the user when handling the loan.
The loan interest rate refers to the ratio of interest amount to principal amount during the loan period. The loan interest rate directly determines the profit distribution ratio between the borrowing enterprise and the bank, thus affecting the economic interests of both borrowers and lenders.
2. What is the interest rate of the loan? Who can explain?
Interest amount/principal amount (within the loan term). The loan interest rate varies with the types and duration of loans, and it is also related to the scarcity of borrowing funds.
The interest rate conversion formula for RMB business is (note: common for deposits and loans):
1. daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷30.
2. Monthly interest rate (‰) = annual interest rate (%)÷ 12
For the basic knowledge and news of banks, please refer to China Securities Network.
Take the repayment method of equal principal and interest (same monthly payment) as an example. If the buyer borrows a 30-year mortgage of RMB 6,543.8+0,000 yuan from the bank, before June 8, 2065.438+02, the borrower will pay RMB 6,686.64 yuan at an annual interest rate of 7.05%; At 20 13 after New Year's Day, when the annual mortgage interest rate is 6.55%, the borrower pays 6353.60 yuan a month, which is 333 yuan less than before. Even if the lowest interest rate is 30%, the monthly mortgage payment will be reduced by 2 1 1 yuan after the new interest rate is implemented. Assuming that the central bank's benchmark interest rate remains unchanged for 20 13 years and the above case is still used, it will be nearly 4000 yuan less in one year.
3. What does the loan interest rate mean?
The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when they issue loans. It is mainly divided into three categories: the loan interest rate of the central bank to commercial banks; The loan interest rate of commercial banks to customers; Interbank lending rate The decisive factors of bank loan interest are: ① Bank cost. Any economic activity needs cost-benefit comparison. There are two types of bank costs: borrowing costs-prepaid interest on borrowed funds; Additional cost-the cost of normal business. ② Average profit rate. Interest is the subdivision of profit, which must be less than the profit rate, and the average profit rate is the highest limit of interest. (3) the supply and demand of borrowing money and funds. If the supply exceeds the demand, the loan interest rate will inevitably fall, and vice versa. In addition, the loan interest rate must also consider price changes, securities returns, political factors and so on. However, some scholars believe that the upper limit of interest rate should be the marginal rate of return of funds. The factor that restricts the interest rate is regarded as the comparison between the profit growth rate of enterprises after borrowing bank loans and the loan interest rate. As long as the former is not lower than the latter, it is possible for enterprises to borrow money from banks. Note 1. When applying for a loan, the borrower makes a correct judgment on his repayment ability. Design a repayment plan according to your income level, leaving room appropriately, without affecting your normal life. 2. Choose the appropriate repayment method. There are two repayment methods: equal repayment method and equal principal repayment method. Once the repayment method is agreed in the contract, it shall not be changed during the whole loan period. 3. Repay on time every month to avoid penalty interest. From the month after the loan is initiated, it is generally the repayment date of the next month. Don't cause liquidated damages because of your negligence, so that banks can't apply for loans again. 4. Take good care of your contracts and IOUs, read the terms of the contracts carefully, and know your rights and obligations. Interest rate classification loan interest rates can be divided into long-term loan interest rates and short-term loan interest rates according to the loan term, and can be divided into floating interest rates and fixed interest rates according to whether they are floating or not, such as various medium-and long-term bond interest rates and various medium-and long-term loan interest rates, which are all interest rates in the capital market.