Question 1: How to calculate the daily interest of bank loans? N-day interest: the annual interest rate of the loan principal is N/360.

Question 2: How to calculate the number of days of loan interest? The answer is as follows:

For example, to calculate the number of days from June 2004 10 to June 7, 2005, you can open an Excel table, select a cell at will, enter = "2004-10"-June 7, 2005 ",and then press Enter.

Question 3: Is the loan interest calculated monthly or daily? The interest rate stipulated by general banks is the annual interest rate. Except for the whole year, Ding then calculated by the day.

In your case, the extra time is of course calculated by the day. If the annual interest rate is agreed, the daily interest will be calculated according to 365 days as a year. If it is a monthly interest rate, the daily interest will be calculated on a monthly basis for 30 days. It doesn't exist for less than a month.

Question 4: How to calculate the number of days of loan interest? How to calculate the number of days from the business occurrence date to the settlement date?

Personal consumption loan requirements: 1. Nationality requirements: China (excluding Hong Kong, Macao and Taiwan residents);

2. Age requirements: 2 1 year-old under 55 years old;

3. Income requirement: minimum 3,000 yuan per month;

4. Credit requirements: credit cards or other loans have no bad credit records;

5. Residence requirements: the current residence address has lived for more than 6 months;

Question 5: How to calculate the interest-bearing days of bank loans? The interest rate is approved by the bank and substituted into the following formula.

Matching principal and interest repayment method:

Monthly loan amount = [loan principal × monthly interest rate ×( 1 interest rate )× repayment months] ((1 interest rate )× repayment months]

Monthly interest payable = loan principal × monthly interest rate × [(1interest rate )× repayment months -( 1 interest rate) ÷ [(1interest rate )× repayment months-1]

Monthly repayment principal = loan principal × monthly interest rate ×(65438+ 10 interest rate) (repayment month serial number-1) ÷ [(65438+10 interest rate) repayment months-1]

Total interest = repayment months × monthly payment-loan principal

Question 6: Calculation days of loan interest The principle of calculation days of loan interest is beginning and ending, and it is calculated as 30 days per month. Divide the annual interest rate by 360 to convert it into a daily interest rate instead of dividing it by the actual number of days 365 or 366.

Because the interest rate conversion is only 360 days a year, when calculating the actual daily interest rate, it will be calculated as 365 days a year, and the result will be slightly biased. The central bank gives financial institutions the right to choose which formula to use. Therefore, the parties and financial institutions can agree on this in the contract.

Question 7: How to calculate the interest of these loans on a daily basis? Calculated by day

Question 8: How to calculate bank interest? How many days is it? The basic formula of interest calculation: simple interest = principal × interest rate × deposit period.

Commonly used simple interest calculation formula: interest = principal× annual interest rate× years = principal× monthly interest rate× months = principal× days× monthly interest rate ÷30= sum of interest-bearing products× daily interest rate.

Product number (the accumulated amount per day is called product number) = principal × days.

The annual interest rate is 12= monthly interest rate.

Annual interest rate ÷360= monthly interest rate ÷30= daily interest rate.

Common sense of interest calculation

(1) Not counting the end: the interest of demand deposits is calculated from the date of deposit to the day before the date of withdrawal. If it is deposited on March 20th and withdrawn on March 26th, the interest will be calculated from March 20th to March 25th, and the deposit period is 24 days. No interest is paid on the day of deposit.

(2) Number of heads and number of tails: interest settlement within the bank (customer's unsettled account). If the interest of your current deposit bank is calculated on the interest settlement date.

(3) Time deposit interest is calculated on a yearly, monthly and daily basis; If it is less than one year or one month, interest shall be calculated on a daily basis.

(4) Interest on demand deposits is calculated by the product method. Multiply the last balance of each day by the number of deposit days to calculate the product, and then multiply the sum of the products by the daily interest rate to obtain the interest amount.

(5) Starting point of interest calculation: the principal value is "yuan", and interest is calculated below yuan. The interest shall be calculated to the nearest cent and rounded off as follows.

(6) Interest calculation by sections. Demand deposits bear interest at the interest rate on the date of withdrawal. If the time deposit is automatically transferred, the interest for the next deposit period will be calculated according to the interest rate on each transfer date. When calculating interest by segments, the interest of each segment shall be calculated to one decimal place, the total interest shall be calculated to one decimal place, and the following points shall be rounded off.

All landowners compound interest. Whether it is the annual interest settlement of demand deposits or the automatic transfer of time deposits, the interest of the previous period will be transferred to the principal to calculate the interest of the next period.

The normal loan interest calculation method is clearly stipulated in the contract, which is basically calculated according to the number of days actually spent by the borrower × the daily interest rate.

Personal deposit interest income is subject to interest tax of 20%, which is directly deducted from the interest by the bank. Interest income from unit deposits is not subject to interest income tax.

Question 9: Is the loan interest calculated by the day or by the month? According to the actual number of days

Question 10: Calculation method of interest-bearing days of bank loans (1) 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

(two) banks can use the product interest method and the transaction interest method to calculate interest.

1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is:

Interest = cumulative interest-bearing product × daily interest rate, where cumulative interest-bearing product = total daily balance.

2. Transaction-by-transaction interest calculation method carries out transaction-by-transaction interest calculation according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:

If the interest-bearing period is a whole year (month), the interest-bearing formula is:

① Interest = principal × year (month )× year (month) interest rate

If the interest-bearing period is a whole year (month) and days, the interest-bearing formula is:

② Interest = principal × year (month) × year (month) interest rate principal × odd days × daily interest rate.

At the same time, banks can choose to convert all interest-bearing periods into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is as follows:

③ Interest = principal × actual days × daily interest rate

How to calculate the daily interest of bank loans?

Calculate bank loan interest, except for 360 days, not 365 days: for convenience of calculation;

There are 12 months every year, and there are only 30 days in a month according to 360 days.

Calculate bank loan interest, except for 360 days, not 365 days: for convenience of calculation; There are 12 months every year, and there are only 30 days in a month according to 360 days.

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There are two algorithms for bank loan interest: 360 days and 365 days;

The annual interest rate of general loans is converted into daily interest rate according to 360 days; The daily interest rate of the loan is converted into the annual interest rate of the loan by 365 days.

Article 3 of the Notice of the People's Bank of China on the Calculation and Settlement of RMB Deposit and Loan Interest stipulates that the daily interest rate shall be calculated at the annual interest rate of /360.

The Notice of the People's Bank of China on Adjusting the Conversion Standard of Bond Repurchase Daily Interest Rate stipulates: "The daily interest rate shall be uniformly converted by dividing the annual interest rate by 365 days. If it is not divisible, four digits shall be reserved after the decimal point, and the fifth digit shall be rounded off. "

The Standard for People's Handling of Enforcement Cases promulgated by the Supreme People's Executive Board on 20 17 stipulates in Item (3) of Article 161 of the book: "If the non-performance period exceeds 1 year, the interest for each full year shall be calculated according to the annual interest rate of the benchmark interest rate for the same period, and the interest for the remaining period shall be calculated according to the daily interest rate of the benchmark interest rate for the same period.

The daily interest rate is calculated by dividing the annual interest rate of the benchmark loan interest rate by 365 days. "The reason why there are two ways to calculate the daily interest in the two notices of the People's Bank of China lies in the way of interest settlement.

In the Notice of the People's Bank of China on the Calculation and Settlement of Interest on RMB Deposits and Loans, the businesses specified in the notice are settled quarterly. In the Notice of the People's Bank of China on Adjusting the Conversion Standard of Interest Rate on Bond Repurchase Day, for the inter-bank bond market, the interest-bearing period is calculated according to the actual days of bond repurchase.

What is the difference? According to the quarterly interest settlement method, there are four quarters every year. The quarterly interest rate is calculated by multiplying the monthly interest rate by 3, and the monthly interest rate is calculated by the annual interest rate/12. The interest rate is the same every month and quarter, but we know that the number of days in each quarter is different.

If the daily interest rate is calculated according to the annual interest rate of /365, the monthly interest rates of 28, 29, 30, 3 1 are different, and the interest rates of each quarter are also different, which will lead to confusion in interest rate calculation.

After calculating the daily interest rate with an annual interest rate of /360 and the monthly interest rate with an annual interest rate of/12, the interest rate can be guaranteed to be the same every quarter and every month, thus avoiding the confusion visible to the naked eye. The method of calculating interest according to the actual number of days does not have the above problems. In order to ensure that the annual interest rate is the same as the daily interest rate, the interest rate is calculated at the annual interest rate of /365.

After comparison, we found it difficult to say whether to divide by 365 or 360. Whether it is correct or not depends on the interest settlement method, and the calculation method that matches the real transaction can be said to be correct. In business execution, interest is calculated on a daily basis, so the daily interest rate is calculated by dividing the annual interest rate by 365.

How to calculate the interest-bearing days of the loan?

If the loan date is 20 1 March 16, the interest repayment date is 2011September1. Interest days are calculated as follows:

((20 1 1 year -20 10) 65438+February September-March) 30 days 1 day-16 days =525 days.

Simply put, it's a year's reduction, a month's reduction and a day's reduction, which is not the end.

Another example is that customers borrow money from B, C and D and repay the interest of E and F. ..

General formula: interest days = ((d-a)12e-b) 30f-c.

Special note: If it is a leap year, such as February 2004, February 2008 and 20 12, there will be one more day; if the interest payment date and loan date span February of leap year, there will be one more day.

A simple understanding of a loan is to borrow money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of expanding social reproduction and promoting economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

How to calculate the interest on bank loans?

1. simple interest method simple interest method means that during the loan term, on the agreed interest collection date, interest is only calculated according to the loan principal, and the interest not received in the previous period is not used as the basis for calculating the current interest. Commercial banks in China use simple interest method to collect loan interest. The calculation formula is: interest = loan principal × loan daily interest rate × loan days.

2. Compound interest method The compound interest method means that if the interest of the previous period is not received on the agreed interest collection date within the loan period, the interest of the previous period should be included in the principal as a new interest base, and interest should be charged on this basis. Compound interest is commonly known as "rolling interest". The calculation formula is: sum of principal and interest = loan principal ×( 1 interest rate) n power interest = principal × [(1 interest rate) n power1].

3. Discount method Discount method refers to the method that the commercial bank deducts interest from the principal in advance when issuing loans, and the borrower repays the principal and interest in one lump sum at maturity. Commercial banks usually use this method when discounting commercial bills for customers. The calculation formula is: interest = loan principal (or face value) × loan days × discount date interest rate.

4. The principal and interest installment method refers to a method of regularly repaying principal and interest during the loan period. This law is applicable to housing mortgage loans and other loan projects with large amount and long term. There are two different options for commercial banks to repay principal and interest by installments.