In private lending, the calculation units of interest are "points", "points" and "points", with one point being one percent, one point being one thousandth, and one tenth being one ten thousandth. So one interest is 1%, while one interest is 0. 1%, and one interest is 0.0 1%.

Usually, the annual interest rate is expressed in cents, the monthly interest rate is expressed in centimeters and the daily interest rate is expressed in cents. For example, the annual interest rate 18% is 18 points, which is converted into the monthly interest rate 1.5%, which is 15% interest; The daily interest rate is 0.05% and the interest is 50 cents.