The answer is calculated according to the loan interest rate of the People's Bank of China for the same period. When the loan occurs, the bank calculates the question "Hello, 320,000, how much will it cost in six years?" This question requires you to check the loan interest rate for the past six years. Can you give me a general idea? I won't look up the answer. Open the personal loan calculator of the bank, directly input the principal and time, and estimate the problem. Can you help me work out this problem? Answer question 47693.33 Yes, thank you. You're welcome.
Second, how to calculate the interest on the judgment?
1. The judgment interest calculation formula is divided into debt interest formula and deferred performance interest formula. 1, debt interest = debt principal × interest-bearing days × annual interest rate of bank loans in the same period /360 days; Among them, the interest-bearing days are from the due date determined by the judgment to the performance date determined by the judgment.
2. Interest for delayed performance = debt principal × interest-bearing days × maximum annual interest rate of bank loans in the same period ×2 times /360 days.
3. After the judgment, if the debtor fails to repay the debt within the time limit specified in the judgment document, it needs to pay double the interest on the debt during the delayed performance.
4. The debt interest during the period of delay in performance includes the general debt interest and double debt interest during the period of delay in performance.
Three, the calculation method of interest payment is judged by the bank deposit interest rate for the same period.
The principal here refers to the house price paid by Party B (the purchaser) (including the sum of down payment and mortgage loan payment).
There is a question of interest rate basis. The so-called deposit interest rate for the same period is the bank deposit interest rate at the time of delivery! However, the interest rate will also change due to uncertain delay in delivery.
If the delay is less than 90 days, only the deposit interest rate can be used; If it is more than 90 days but not more than 180 days, the three-month time deposit rate will be adopted; If it exceeds 180 days and does not exceed 360 days, the six-month time deposit rate will be adopted; If it is more than 360 days, the one-year fixed deposit rate shall be adopted; ?
Assuming that the house payment is paid in full, the house delivery is delayed 100 days, and the interest of the three-month time deposit is calculated at the annual interest rate of 2.6%, then the interest is
500000002.6% (100/360) = 3611.1yuan.
4. How to calculate the bank's interest rate for the same period in the judgment?
Based on the benchmark loan interest rate announced by the People's Bank of China for the same period. For example, on March 15, 2020, the benchmark loan interest rate announced by the People's Bank of China was 3.25% per year, so the bank interest rate in the judgment for the same period was based on 3.25%, and then multiplied by the ratio within 4 times.