The monthly commercial loan payment is 3,374.98 yuan, and the interest rate is calculated at 5.568% first.
The above is the amount that should be paid back in one month, but the bank lent you money today, and you will have to pay interest from tomorrow!
14 will charge you 43 days' interest on New Year's Day, so your first month's repayment is greater than your monthly payment. ,
2. Provident Fund:
13 days interest =0.045/360 days x800000= 1300 yuan.
43-day repayment = 6119.95+1300 = 7419.95 yuan.
Answer: it is in line with your actual repayment situation;
3. Commercial loans:
/kloc-interest for 0/3 days = 4561.17-3374.98 =1186.19.
Real interest rate =1186.19/13/590000x360 days =0.055675.
Discount =0.055675/0.0655=0.85
Answer: The benchmark interest rate is 6.55%, which really gives you a 15% discount.