2. Before calculation, it is necessary to distinguish whether it is calculated by day, month or year. For example, Li Er borrowed 6,543,800 yuan from Hu San, saying that he would borrow it for one month with a daily interest rate of 5%. So Li Er means to borrow 10,000 yuan from Hu San and give Hu San 0.05% interest every day. A month later, he will add interest to Hu San's principal, a * * *10000+10000 * 0.05% * 30 =10/50 yuan. Factors affecting interest rates: price level, stock and bond markets and international economic situation. Market interest rate is the sum of real interest rate and inflation rate. When the price level rises, the market interest rate also rises accordingly, otherwise the real interest rate may be negative. At the same time, due to rising prices, the public's willingness to deposit will decrease, while the loan demand of industrial and commercial enterprises will increase. The imbalance between deposit and loan caused by loan demand exceeding loan supply will inevitably lead to an increase in interest rates.
About annual interest rate
1. If the stock market goes up, the market interest rate will go up, and vice versa. Changes in a country's economic parameters, especially the exchange rate and interest rate, will also affect the fluctuation of interest rates in other countries. Of course, the rise and fall of the international securities market will also bring risks to the interest rates faced by the international banking industry. The difference between interest rate percentage and percentage is that percentage refers to a few percent, while percentage refers to a few thousandths. Both are folk interest rate terms. For example, the monthly interest rate is 5%, and the annual interest rate is 0.005x65438+February = 6.0%. Interest rate refers to the ratio of interest amount to principal in a certain period. Usually expressed as a percentage.
2. If calculated on an annual basis, it is called annual interest rate. The calculation formula is: interest rate = interest amount/principal × time × 100%. Loans are managed by a single account. The same borrower can only apply for one consumer credit line in our bank, which should meet the following conditions: the ability to repay the principal and interest on schedule. Except for natural persons and public institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled in the industrial and commercial departments. Basic account or general deposit account has been opened in the lending institution.
3. Applicants for secured loans or mortgage loans must have qualified loan guarantors, loan collateral or pledges. The borrower's asset-liability ratio is not higher than 70%. For fixed assets, real estate and other projects applying for loans, the owner's equity of the borrower is. Unless otherwise stipulated by the State Council. The borrower must apply for a loan card in accordance with the provisions of the People's Bank of China, and go through the annual inspection procedures in accordance with the provisions.