An annual interest rate of 6% means an annual interest rate of 6%, which translates into a monthly interest rate of 0.5%/ month and a daily interest rate of 0.0 16%/ day. There is little chance of getting it back. However, the following solutions can be sought:
In terms of private lending, the annual interest rate is 60%. Because one millimeter is equal to one thousandth. Of course, there are also "points" and "points" in private lending, where one point is equal to 1% and a dime is equal to 1/10000. Therefore, the annual interest rate of 6% can also be expressed by the annual interest rate of 6 cents or 600 cents.
If the annual interest rate of 6% is converted into a monthly interest rate, it is: 6%÷ 12 (month) =0.5%, which means that the monthly interest rate is 0.5%, or 5%, or 5 cents.
The annual interest rate of 6% is converted into the daily interest rate of 6%÷360 (days) ≈0.02%, which is 0.02%, or 0.2%, or 2 cents.
In fact, in private lending, the annual interest rate generally refers to points, while the percentage usually refers to the monthly interest rate, while the cents are used to refer to the daily interest rate. And what we need to pay attention to is that the annual interest rate cannot exceed 36%, that is, the annual interest rate only exceeds 36 points. If it exceeds, it belongs to usury.
Annual interest rate refers to the ratio of interest amount to deposit/loan principal within one year. If you know what the interest is to calculate the annual interest rate, you must also specify the deposit and loan amount. Reference calculation formula: interest = deposit and loan amount * annual interest rate. When the economic development is in the growth stage, the investment opportunities of banks increase, the demand for loanable funds increases and interest rates rise; On the other hand, when the economic development level is low and the society is in a depression period, banks' willingness to invest will decrease, and the demand for loanable funds will naturally decrease, and the market interest rate will generally be low. Generally speaking, when the central bank expands the money supply, the total supply in loanable funds will increase, the supply exceeds demand, and the natural interest rate will decrease accordingly; On the contrary, the central bank implements a tight monetary policy to reduce the money supply, so that the demand in loanable funds exceeds the supply, and the interest rate will rise accordingly.
For example, someone applied for a loan of 50,000 yuan in China Bank, which was paid off at 1 year, with a comprehensive annual interest rate of 6%. Then, Xiaoxi's total interest is 50,000 * 6% = 3,000 yuan.
Although the loan with an annual interest rate of 6% is not high, the higher the loan amount, the higher the total interest; In real life, the annual interest rate of deposits generally does not reach this level.
Solution:
1. Once you find yourself cheated, you should first keep the evidence of being cheated. Such as communication records, chat records, transfer or remittance records, etc. 2. Call "1 10" immediately or report to the police station and provide relevant evidence to the police. 3. In case of emergency, contact the bank staff immediately and report the loss of the passbook or close the account in time. Being cheated and involved in theft without knowing it is a deliberate crime. If you participate in theft or provide transportation for theft without knowing it, it does not constitute theft. Theft refers to the act of secretly stealing a large amount of public or private property for the purpose of illegal possession, or repeatedly stealing, burglary, theft with a weapon, and pickpocketing public or private property. Criminal Law: Article 264 Whoever steals a large amount of public or private property, or repeatedly steals, enters a house, carries a weapon or pickpockets, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also, or shall only, be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated. Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Application of Laws in Handling Criminal Cases of Theft: Article 1 Whoever steals public or private property with a value of 1,000 to 3,000 yuan, 30,000 to 100,000 yuan, and 300,000 to 500,000 yuan, The higher people's courts and people's procuratorates of all provinces, autonomous regions and municipalities directly under the Central Government may, according to the local economic development and social security situation, determine the specific amount standards to be implemented in their respective regions within the amount range specified in the preceding paragraph and report them to the Supreme People's Court and the Supreme People's Procuratorate for approval. If the theft is carried out on the public transport traveling across regions, and it is impossible to find out the location of the theft, and the amount of theft reaches "a large amount", "a huge amount" or "a particularly huge amount", it shall be determined according to the relevant amount standards determined by the higher people's courts and people's procuratorates of the provinces, autonomous regions and municipalities directly under the Central Government where the case is accepted. Stealing contraband such as drugs should be treated as theft and punished according to the seriousness of the case. Appeal is the answer to what to do when you are cheated. I hope I can help you. If the handling of the relevant situation is not clear, you can consult a lawyer to define it.