Loan calculator provided by commercial banks
This kind of calculator is characterized by relying on the bank website platform and high credibility; The disadvantage is that the calculation conditions are simple, mainly theoretical calculation, regardless of reality. For example, the calculation formula of daily interest rate is generally: daily interest rate = annual interest rate/360; The calculator provided by the bank is generally calculated according to 365, which is different from the actual situation.
Second, the loan calculator provided by the real estate website
This kind of loan calculator is generally based on the loan calculator on the bank website, with little or no change, and its shortcomings are similar to the previous article.
Third, Taobao customer loan calculator
This calculator is a fully customized parameterized calculator, and the calculation results are completely consistent with the actual situation, providing more real and powerful data support for your loan decision.
How to calculate the loan interest? What is an interest calculator?
The calculation formula of the loan annual interest rate is: interest = the annual interest rate of the loan amount. If the loan is 654.38 million yuan, the term is 1 year and the annual interest rate is 4.35%, then the interest to be repaid is: 10000 14.35 = 4350 yuan. I suggest you calculate the interest yourself and then borrow again.
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.
Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator.
In civil law, interest is the legal fruit of principal.
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Housing loan calculator 20 13
The calculation method of housing loan interest rate is:
I. Basic formula for calculating interest The basic formula for calculating interest on savings deposits is: interest = principal × deposit period × interest rate.
II. Conversion of Interest Rate The conversion relationship among annual interest rate, monthly interest rate and daily interest rate is: annual interest rate = monthly interest rate × 12 (month) = daily interest rate ×360 (days); Monthly interest rate = annual interest rate ÷ 12 (month) = daily interest rate ×30 (days); Daily interest rate = annual interest rate ÷360 (days) = monthly interest rate ÷30 (days). Pay attention to the consistency with the deposit period when using interest rates.
3. Interest starting point 1. The starting point of interest for savings deposits is RMB, and no interest is paid for cents below RMB. 2. The interest amount shall be calculated to one decimal place and rounded to one decimal place when actually paid. 3. Except that the current savings are settled on an annual basis and the interest can be converted into principal, regardless of the deposit period, the interest of other savings deposits will be paid off with the principal at the time of withdrawal, excluding compound interest.
Iv. Calculation of deposit period 1, and the calculation of deposit period adopts the method of counting the first number and the last number. 2, regardless of the big month, small month, flat month, leap month, every month is calculated as 30 days, and the whole year is calculated as 360 days. 3. The maturity date of all kinds of deposits shall be calculated on an annual and monthly basis. If the account opening date is the missing date of the expiration month, the expiration date should be the last day of the expiration month.
Verb (abbreviation of verb) Calculation of interest on foreign currency savings deposit The interest rate of foreign currency savings deposit is based on the interest rate announced by the People's Bank of China, and the original currency bears interest (the second currency can be converted into RMB according to the foreign exchange rate of the day). Its interest-bearing provisions and calculation methods are compared with RMB deposit methods.
Bank loan interest rate calculator
There are many kinds of bank loans, including housing loans, car loans, consumer loans, commercial loans, credit loans and so on. Different types of loans use different loan calculators. In order to make your calculation more convenient, it is recommended that you log in to Rong 360 online loan computer, select the calculator you need and calculate the principal and interest.
Current latest loan interest rate:
(The quick calculation is 6,543,800 yuan; The quick calculation result of average capital is the customer's first month repayment amount)
1 year -6.00%, with equal principal and interest of 860.66. Up 10%-6.6%, with equal principal and interest of 863.42. Up 15%-6.9%, with equal principal and interest of 864.8 1.
5-year term -6.4%, equal principal and interest 195. 19. Floating 10%-7.04%, equal principal and interest 198.20. Floating 15%-7.36, equal principal and interest 198.
10 -6.55%, with equal principal and interest 1 13.80. Floating upward 10%-7.2 1%, with equal principal and interest of117.6548437.
This concludes the introduction of bank loan interest rate calculator 20 13 and bank loan interest rate calculator 20 19. I wonder if you have found the information you need from them?