Question 2: How to calculate the annualized loan interest rate (1) The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different loan banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis of the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on July 7, 20 1 1 year. Types and annual interest rates are as follows: ① Six-month (inclusive) short-term loan 6.10%; ② 6.56% from half a year to one year (inclusive); ③ One to three years (inclusive) 6.65%; ④ Three to five years (inclusive) 6.90%; ⑤ More than five years and 7.05%. (2) Take mortgage as an example: comprehensively evaluate the bank loan interest rate according to the credit status of the loan, and determine the loan interest rate level according to the credit status, collateral and national policy (whether it is the first suite or not). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is 1 of the benchmark interest rate. Since February 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. At the beginning of April, large state-owned banks began to implement preferential interest rates for the first home loan. The interest rate discount of some banks can be up to 15%. The interest rate after 15% discount for five years and above is 7.05%*0.85=5.9925%.
Question 3: The loan is 654.38 million yuan, with an annualized rate of 7%. What are your interests? How to calculate the interest of 0.7, that is, the monthly interest rate is 0.7%, which means that the loan is 6,543,800 yuan, and the monthly interest rate is 70 yuan. This is what people generally say. Now banks are talking about the annual interest rate. If the annual interest rate is 10%, the annual interest of 1000 yuan is 1000 yuan.
The algorithm is interest = principal * interest rate * term.
Term means: how many months is the monthly interest rate and how many years is the annual interest rate.
Question 4: The annualized loan interest rate is 7.39/15 = 0.49 0.49 * 365 =179.8179.8 =1000 =17.98, which is a bit wrong, probably/kloc-0.
Question 5: How to calculate annualized interest rate and annual interest rate? What is the annualized rate of return (annualized interest rate)?
The calculation method of annualized rate of return is to convert the current rate of return (daily rate of return, weekly rate of return, monthly rate of return) into annual rate of return, which is a theoretical rate of return, not an actual rate of return.
Example of calculating annualized rate of return:
For example, a wealth management product sold by a bank has an annualized rate of return of 3.5% in 60 days, so if you buy 654.38+ 10,000 yuan, the actual interest you can receive is 654.38+ 10,000 *3.5%*60/365=575.34 yuan.
In addition, it should be noted that the general bank's wealth management products do not bear interest on the same day as bank time deposits, and return the principal and interest at maturity. Wealth management products have subscription period, liquidation period and so on. During this period, interest is not calculated according to the principal.
What is the annual interest rate？
Annual interest (one-year deposit rate). The so-called interest rate is the abbreviation of "interest rate", which refers to the ratio of interest amount to deposit principal or loan principal in a certain period of time. For example, the annual interest rate is 3.6%, which means that after your principal is deposited for one year, the interest you get is 3.6% of the principal. If you deposit 10000 yuan, the interest earned after 1 year is 360; The yield per ten thousand copies of Yu 'ebao is 1.2 yuan per day, which means that 1 copy is 1 yuan, and 1 ten thousand copies is 1 ten thousand yuan. If you deposit 10000 yuan in Yu 'ebao, the daily income will be 1.2 yuan, and the annual interest will be 438 yuan.
Question 6: The annualized loan interest rate 13.29% is equivalent to the real interest rate (specific figures and calculation process are required). Annualized interest rate calculation formula:
The amount × interest rate ÷365 is the daily interest money. It will take a month. You can figure it out yourself, right? !
Question 7: How to calculate interest and interest income for a loan with an annual interest rate of 5%?
1 year interest = principal x annualization
Example: the loan principal is 6,543,800+0,000, with an annualized rate of 5%.
1 year interest = 10000x5%=500 yuan.
Question 8: Ask experts about the calculation of the annual interest rate of loans? There are two situations. One is the standard average capital loan, and the monthly interest is gradually reduced. If the monthly principal is reduced, the interest will not be paid in the future. In this case, the annualized interest rate is 0.76%* 12=9. 12%.
Moreover, some loans are in the name of handling fees, and the interest per period is fixed at 60000*0.76%=456. Repayment per installment 1456. Such interest rates are much higher.
It is equivalent to a loan of 60,000 yuan, and the repayment per installment is 1.456, so the monthly interest rate is 1.325% and the annual interest rate is 15.9%.
=rate(60，- 1456，60000)
Question 9: If I borrow 1000 yuan and the interest rate is annualized 16%, what about the interest rate for six months?
1000×16 %× 6/12 = 80 yuan.