Bank loan interest is calculated according to the service time of the loan, and interest = principal * interest rate * time.
The calculation process needs to use some advanced mathematical methods, which is more complicated. Can be found in the monthly mortgage payment table, housing loan payment table, divided into
1. Individual housing loan contribution table of 10,000 yuan
2 individual housing provident fund loan of ten thousand yuan investment table
3. Personal commercial housing loan 10000 yuan (mortgage of shops) Note: If the loan principal and interest cannot be repaid on time, the bank will charge liquidated damages.
1. The latest benchmark interest rate for bank loans is 202 1
1 and 202 1 latest bank interest rate and latest bank deposit and loan interest rate adjustment list. It is reported that in order to further reduce the financing cost of enterprises, the People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from 20 15 to124.
2. Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to 1.5%.
3. The People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from 20 15124/0 to further reduce the social financing costs. Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to1.5%; The benchmark interest rates of other loans and deposits and the lending rates of the People's Bank of China to financial institutions are adjusted accordingly; The interest rate of individual housing provident fund loans remains unchanged.
4. At the same time, commercial banks and rural cooperative financial institutions are no longer allowed to set the floating ceiling of deposit interest rates, improve the formation and regulation mechanism of interest rate marketization, strengthen the regulation and supervision of the central bank on the interest rate system, and improve the transmission efficiency of monetary policy.
5. Reduce the RMB deposit reserve ratio of financial institutions by 0.5 percentage point, keep liquidity in the banking system reasonably abundant, and guide the steady and moderate growth of money and credit. At the same time, in order to increase the positive incentives for financial support for "agriculture, rural areas and farmers" and small and micro enterprises, the deposit reserve ratio will be reduced by 0.5 percentage points for eligible financial institutions. The benchmark interest rates for other grades of loans and deposits will be adjusted accordingly.