Daily interest rate (0/000)= annual interest rate (%)? 360= monthly interest rate (? )? 30-month interest rate (? ) = annual interest rate (%)? 12 loan interest of the current month = remaining principal of the previous month * monthly loan interest rate, paid principal of the current month = repayment amount of the current month-loan interest of the current month, remaining principal of the current month = total loan amount-accumulated repayment principal. If you still don't understand what I said, let me illustrate it with a practical example: suppose borrower A borrows 654.38 million yuan from XX Bank for a period of 3 years.

According to the latest loan interest rate in 20 13 years, the monthly loan interest rate is 0.5 125% (the current three-year loan interest rate is 6. 15%), and the first month loan interest =100000 * 0.5125% = Principal paid in the first month = repayment amount in the first month (depending on repayment method) -52 1.5, remaining principal in the first month = 100000- (repayment in the first month -52 1.5), and loan interest in the second month = {/kloc-

In other words, the interest on the loan every month in the future and so on until the repayment is completed (the loan expires). Generally speaking, compound interest is calculated monthly. Compound interest means that after each interest period, the remaining interest must be added to the principal to calculate the interest of the next period. In this way, in each interest-bearing period, the interest of the previous interest-bearing period will become the interest-bearing principal, that is, the profitable profit, commonly known as? Rolling interest? .

There are two ways to repay by installments, one is equal principal and interest, and the other is average principal. Due to different repayment methods, the monthly loan interest is also different. But no matter what kind of loan method, there is a unified calculation standard for bank loan interest. According to the actual situation, the amount of loan interest mainly depends on the loan interest rate of various lending institutions, which generally fluctuates within the interest rate range stipulated by the central bank.