5.3% interest is the deposit interest rate of 5.3%. According to this deposit interest rate, if you deposit 100 yuan, you can get interest from 5.3 yuan at the maturity of one year. If you want to calculate the interest earned by your deposit, you can know your deposit interest by multiplying your deposit amount by the deposit interest rate of 0.053. Take 10000 yuan as an example, 10000 yuan x0,053 = 530 yuan (interest). 5% 3 refers to the annualized interest rate of 10000 yuan, so the annual interest rate is 5× 0.053 = 265 yuan. 5% is the monthly interest rate of 0.5%, and 50,000× 0.5% = 250 yuan. Calculation formula: loan principal x monthly interest rate /30 (days) x one month (days of the month) = calculation of short-term loan interest. Short-term loans (with a term of less than one year, including one year) shall bear interest at the legal loan interest rate of the corresponding grade on the signing date of the loan contract. During the loan contract period, in case of interest rate adjustment, interest will not be calculated by installments. Short-term loans are settled quarterly, and the 20th day of the last month of each quarter is the settlement date; If the interest is settled on a monthly basis, the 20th of each month is the interest settlement date. The specific interest settlement method shall be determined by the borrower and the lender through consultation. Interest that cannot be paid on schedule during the loan period shall be compounded quarterly or monthly according to the loan contract interest rate, and after loans overdue, at the default interest rate. When the last loan is paid off, the profit will be paid off with the principal.