Convert interest rate into daily interest rate. At the time of the last repayment, the term may not be a whole year, and the interest shall be calculated at the daily interest rate according to the days of the principal.

Second, how to calculate the number of days of bank interest? For example, I 1 put it in and take it out on the 3rd. Days are ...

It's two days. By the way, the interest should be the actual number of days, not finished or finished. I remember that someone sued the bank for similar reasons before, and later it was changed to the actual number of days instead of 30 days per month/360 days per year.

3. How to calculate the loan interest on a daily basis?

Question 1: How to calculate the daily interest of bank loans? N-day interest: the annual interest rate of the loan principal is N/360.

Question 2: How to calculate the number of days of loan interest? The answer is as follows:

For example, to calculate the number of days from June 2004 10 to June 7, 2005, you can open an Excel table, select any cell, enter = "2004-10-10"-"2005-June 7", and then press enter.

Question 3: Is the loan interest calculated monthly or daily? The interest rates stipulated by general banks are annual interest rates. Except for the whole year, Ding then calculated by the day.

In your case, the extra time is of course calculated by the day. If the annual interest rate is agreed, then the daily interest will be calculated according to 365 days a year. If it is monthly interest, the daily interest will be calculated monthly for 30 days. It doesn't exist for less than a month.

Question 4: How to calculate the number of days of loan interest? How to calculate the number of days from the business occurrence date to the settlement date?

Personal consumption loan requirements: 1. Nationality requirements: China (excluding Hong Kong, Macao and Taiwan residents);

2. Age requirement: 2 1 one year old, under 55 years old;

3. Income requirement: minimum 3,000 yuan per month;

4. Credit requirements: credit cards or other loans have no bad credit records;

5. Residence requirements: the current residence address has lived for more than 6 months;

Question 5: How to calculate the interest-bearing days of bank loans? The interest rate is approved by the bank and substituted into the following formula.

Matching principal and interest repayment method:

Monthly loan amount = [loan principal × monthly interest rate ×( 1 interest rate )× repayment months ]=[( 1 interest rate )× repayment months]

Monthly interest payable = loan principal × monthly interest rate × [( 1 interest rate )× repayment months -( 1 interest rate) ÷ [( 1 interest rate )× repayment months-1]

Monthly repayment principal = loan principal × monthly interest rate ×(65438+ 10 interest rate) (repayment month serial number-1)÷[(65438+ 10 interest rate) repayment months-1]

Total interest = repayment months × monthly repayment amount-loan principal

Question 6: Calculation days of loan interest The principle of calculation days of loan interest is beginning and ending, and it is calculated as 30 days per month. Divide the annual interest rate by 360 to convert it into a daily interest rate, instead of dividing it by the actual number of days 365 or 366.

Because the interest rate conversion is only 360 days a year, the actual daily interest rate will be calculated as 365 days a year, and the result will be slightly different. Which formula is used specifically, the central bank gives financial institutions the right to choose independently. Therefore, the parties and financial institutions can agree on this in the contract.

Question 7: How to calculate the interest of these loans on a daily basis? Calculated by day

Question 8: How to calculate the bank interest? How many days have it been? The basic formula of interest calculation: simple interest = principal × interest rate × deposit period.

Commonly used simple interest calculation formula: interest = principal × annual interest rate × year = principal × monthly interest rate × month = principal × days × monthly interest rate ÷30= sum of interest-bearing products × daily interest rate.

Product number (the daily accumulated amount is called product number) = principal × days.

The annual interest rate is 12= monthly interest rate.

Annual interest rate ÷360= monthly interest rate ÷30= daily interest rate.

Common sense of interest calculation

(1) Count the first but not the last: the interest of demand deposit is calculated from the deposit date to the day before the withdrawal date. If it is deposited on March 20 and withdrawn on March 26, the interest will be calculated from March 20 to March 25, and the deposit period will be 24 days. No interest is paid on the day of deposit.

(2) Counting from the beginning to the end: intra-bank interest settlement (customer's unsettled account). If the interest of your current deposit bank is calculated on the interest settlement date.

(3) Time deposit interest is calculated on a yearly, monthly and daily basis; Less than a year or a month, it shall be converted into daily interest.

(4) The interest on demand deposits is calculated by the product method. Multiply the final balance of each day by the number of deposit days to calculate the product, and then multiply the sum of the products by the daily interest rate to get the interest amount.

(5) Starting point of interest calculation: the principal value is "yuan", and interest is calculated below yuan. The interest shall be calculated to the nearest cent and rounded off as follows.

(6) Interest calculation by sections. Demand deposits bear interest at the interest rate on the date of withdrawal. If the time deposit is automatically transferred, the interest of the next deposit period will be calculated according to the interest rate on the transfer date every time. When calculating interest by segments, the interest of each segment shall be calculated to one decimal place, the total interest shall be calculated to one decimal place, and the following points shall be rounded off.

(7) compound interest. Whether it is the annual interest settlement of demand deposits or the automatic transfer of time deposits, the interest of the previous period will be transferred to the principal to calculate the interest of the next period.

The normal loan interest calculation method is clearly stipulated in the contract, which is basically calculated according to the number of days actually spent by the borrower × the daily interest rate.

Personal deposit interest income is subject to 20% interest tax, which is directly deducted from the interest by the bank. Interest income from unit deposits is not subject to interest income tax.

Question 9: Is the loan interest calculated by the day or by the month? According to the actual number of days

Question 10: Calculation method of interest-bearing days of bank loans (1) The interest rate conversion formula for RMB business is (note: common for deposits and loans):

1. daily interest rate (0/000) = annual interest rate (%) ÷ 360 = monthly interest rate (‰)÷30.

2. Monthly interest rate (‰) = annual interest rate (%) ÷ 12

(two) banks can use the product interest method and the transaction interest method to calculate interest.

1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is:

Interest = cumulative interest-bearing product × daily interest rate, where cumulative interest-bearing product = total daily balance.

2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:

If the interest-bearing period is a whole year (month), the interest-bearing formula is:

① Interest = principal × year (month )× year (month) interest rate

If the interest-bearing period is a whole year (month) and days, the interest-bearing formula is:

② Interest = principal × year (month) × year (month) interest rate principal × odd days × daily interest rate.

At the same time, banks can choose to convert all interest-bearing periods into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is as follows:

③ Interest = principal × actual days × daily interest rate

4. How to calculate the days of repayment interest?

If the loan date is 20 10 March 16, the interest repayment date is 20 1 1 September 1. Interest days are calculated as follows:

((20 1 1 year -20 10) 65438+February September-March) 30 days 1 day-16 days =525 days.

Simply put, annual reduction, monthly reduction and daily reduction are not the end.

For another example, customers borrow money on B, C and D, and pay interest on E and F. ..

Universal formula: interest days = ((d-a)12e-b) 30f-c.

Special note: If it is a leap year, such as February 2004, February 2008 and 20 12, there will be one more day, and if the interest payment date and loan date span February of the leap year, there will be one more day.

A simple understanding of a loan is to borrow money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out by means of loans, which can meet the needs of social expansion and reproduction for supplementary funds and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.