Answer:

A monthly interest rate of 2 points means that the monthly interest rate is calculated at 2%. For example, if you borrow 30,000 yuan, then the interest is 300,002% = 600 (interest).

Extended solution:

If you borrow for 300,000 years at an annual interest rate of 2 cents, the loan period is 6 months, and the difference is 7 days, then the interest is a little more than 3,000.

(3000002%)/2=3000

Introduction:

Interest, as far as its form is concerned, is the reward that the monetary owner gets from the borrower for issuing monetary funds; On the other hand, it is the price that the borrower must pay for using monetary funds. Interest is essentially a part of profit and a special form of profit transformation.

According to Marxism, interest is actually a part of profit and a transformation form of surplus value. Money itself cannot create money, nor will it increase in value. Only when functional capital purchases means of production and labor with money can it create surplus value through the labor of hiring workers in the production process. Monetary capitalists share surplus value with functional capitalists by virtue of capital ownership. Therefore, the separation of capital ownership and capital use right is the inherent premise of interest generation. Due to the characteristics of reproduction process, capital surplus and * * * exist at the same time, which is the external condition of interest generation. When money is possessed by capitalists and used as a means to exploit the surplus value of hired workers, it becomes capital. Money performs the function of capital and gains additional use value, that is, the ability to produce average profits. All capitalists are driven by the interests of pursuing surplus value, and profits are converted into average profits. The average profit is divided into interest and income of business owners, which are owned by different capitalists. Therefore, interest, like profit in essence, is the transformation form of surplus value, which reflects the relationship between borrowing capitalists and functional capitalists and exploiting workers.

Calculation formula:

Interest = principal × interest rate× term × 100%

Second, how to calculate the monthly interest rate of 2 points?

The monthly interest rate of 2 points refers to the monthly interest rate of 2% of the loan, which is generally in the name of private lending. In fact, in private lending, a monthly interest rate of 2 points means a monthly interest rate of 2%. According to the interest formula: interest = principal × interest rate× loan time, private loans are 2 points, which is 2% 12=24%, so the annualized real interest of 2 points is as high as 24%. If the loan is 654.38 million yuan, the annual interest is 1000024% 1=2400 yuan according to simple interest calculation; According to compound interest, the sum of principal and interest after one year is100000 (12%)12 =126824.2 yuan, and the interest is 26824.2 yuan. The monthly interest announced by the bank is basically expressed after one year. For example, the annualized deposit interest rate for three months is 2.6% (the bank is listed), but the actual rate of return for the current period is only 0.65%, the annual interest rate is generally% (percentage), and the monthly interest rate is generally expressed as ‰ (one thousandth); The daily interest rate is expressed as a few tenths of the principal, which is usually called a few cents. If the daily interest rate is 1%, that is, the principal is 1 yuan, and the daily interest rate is 0.005438+0 yuan. (1% =0.00 1 yuan, one point =0.000 1 yuan) Calculation formula: daily interest rate _ annual interest rate ÷360= monthly interest rate ÷30. Relationship between annual interest rate and monthly interest rate: monthly interest rate = annual interest rate/12, annual interest rate = monthly interest rate 12. For example, the annual interest rate is 7.05%, which translates into a monthly interest rate of 7.05%/ 12=5.875‰ (generally, the interest rates of banks in mortgage contracts are expressed by monthly interest rates). Suppose you borrow 6,543,800 yuan, with a term of 30 years and an annual interest rate of 7.05%, and repay it by the equal principal and interest method. After calculation, the monthly repayment amount is 6686.64 yuan. The calculation formula is as follows: monthly repayment amount = monthly interest rate of principal (65438+ 10) n/[(65438+ 10) n- 1] where: monthly interest rate = annual interest rate/12 where n represents the number of loan months. Note: When calculating (1 monthly interest rate) n- 1, you must first calculate what is in brackets, and then subtract 1 after multiplication.

3. Bank loan 15000 yuan, with a monthly interest of 2.5 points. How much interest do you have to pay a year? No, I want specific figures, thank you!

150000.025 12=4500