1 0.5 million yuan10.2 interest, then the interest to be paid in1month is 600 yuan, which is 600×12 = 7,200 yuan a year.
2. This belongs to, so it will be difficult to get legal support if the two sides finally emerge.
3. Be sure to consider the interest on the loan!
1. In private lending, it is very easy for borrowers and borrowers to have conflicts in private lending interests. The interest of private lending can refer to the clear provisions of the contract law:
First, according to the principle of good faith, if there is no clear agreement between the borrower and the borrower in the loan contract, it is generally a free loan. If the debtor repays the loan before the loan term or when the repayment term is not agreed, and the creditor asks the debtor to repay the loan, no interest will be paid if it is repaid within a reasonable period.
Second, if there is still controversy after the borrower and the lender agree on the interest rate standard, the interest rate standard can be determined within the standard of not exceeding 4 times the interest rate of similar loans of banks. Excess interest is not protected.
Third, in interest-bearing lending, the interest rate can be appropriately higher than the bank interest rate, and the interest rate agreed by both borrowers and lenders does not exceed the annual interest rate of 24%. If the lender requires the borrower to pay interest at the agreed interest rate, the people shall support it.
Fourth, it is clearly stipulated in "Several Opinions on People's Trial of Lending Cases"; The lender shall not include the interest in the principal to calculate compound interest, otherwise it will not be protected by law. This provision is punitive in judicial practice. If it is violated, it can be decided to pay interest at the loan interest rate for the same period. Then, the previously agreed multiple will not be returned.
Fifth, if there is a dispute between the parties over borrowing Taiwan dollars or foreign currency, and the lender requests repayment in Taiwan dollars or foreign currency, the lender may allow it.
2. IOU format:
(1). Write down the full legal names of the borrower and lender.
(2) Write down the loan amount in words and figures.
(3) Write down the loan term, start and end dates, and specify the loan term.
(4) Write down the specific repayment date.
(5) Write down the loan interest, annual interest rate or monthly interest rate,
(6) Write down the date, month, day, time and payment method of repayment of loan principal and interest.
(7) The borrower personally signs, autographs or fingerprints.
How much is the interest for fifty-one point two six months?
50,000 yuan with two interest points for six months equals 50,000×1.2% X6 = 3,600, and the interest for six months is 3,600 yuan.
Loan interest refers to the reward that the lender gets from the borrower for issuing monetary funds, and it is also the price that the borrower must pay for using the funds. It refers to the reward that the lender gets from the borrower for issuing monetary funds, and it is also the price that the borrower must pay for using the funds.
How to calculate the profit of loan 1, and how much interest do you get for 50 thousand yuan a year?
Some interest of private lending is calculated on a monthly basis, and some interest is a few percent of the monthly interest. For example, one point is one percent of the monthly interest rate, and two points is two percent of the monthly interest rate. By analogy, the annual interest is calculated, with one-point interest 12% and two-point interest of 24%.
1 Dividend If it is the annual interest rate, 50,000 yuan will earn 5,000 yuan a year; If it is a monthly interest, you will earn 6000 yuan a year. The key is to see whether this dividend refers to the monthly interest rate or the annual interest rate. One year is 10%, and one month is 12%.
Extended data
According to China's relevant loan law, private loans that exceed the benchmark interest rate of China Bank by 4 times in the same period will not be protected by law.
Since 20 15, the central bank has repeatedly proposed to cut interest rates, so the current domestic benchmark interest rate for loans over five years is 5.65%. According to this interest rate, it is four times 22.6%. If this interest rate is converted into some interest, it is a little more than 1.883. Therefore, as long as private lending is higher than1.883 (more than 5 years), private lending is not protected by national laws.