The calculation process of annual interest rate is as follows: annual interest rate = monthly interest rate × 12 months = daily interest rate ×360 days (360 days per year). If the daily interest rate is 0.05%, the annualized interest rate is 0.05% × 360 days = 18%, and the loan is 10000 yuan, the annual interest is 18%× 10000 yuan = 1800 yuan.
Second, how to calculate the weighted average interest rate _ How to calculate the weighted average interest rate
The weighted average interest rate refers to using two or two figures in a period of time, and then averaging the time and amount to calculate the weighted average interest of the actual amount of special loans in the current period × 100%.
I. Definition of weighted average interest rate
Refers to the weighted interest rate (WAC) of a basket of mortgage loans used to issue secured securities. Since the mortgage loans covered by mortgage securities have been reduced to varying degrees, the principal balance of each mortgage loan is an important reference for WAC now's weighted calculation.
Second, the calculation formula of weighted average interest rate
Weighted average interest rate/weighted average of special loan principal.
The numerator of the above formula refers to the amount of interest actually incurred due to the borrowed money in this period.
The denominator of the above formula "weighted average principal of special loans" refers to the principal balance of each special loan, which is calculated by multiplying the principal of each special loan by the ratio of the actual number of days occupied by the loan in the current period to the number of days covered in the accounting period. The calculation formula is:
Weighted average value of special loan principal = ∑ (principal of each special loan × number of days covered during each special period)
In order to simplify the calculation, the number of months can also be used as the weight to calculate the weighted average of the principal of special loans.
If there is a discount or premium on these special loans, the amount of discount or premium that should be amortized in each period should also be used as the adjustment amount of interest. The weighted average interest rate, that is, the amortization of capital price or premium, can adopt the real interest rate method, or the calculation formula of the average interest rate can be:
Weighted average interest rate = (actual discount or premium of special loan in current period)/weighted principal of special loan.
Third, the weighting method.
Among them, 3 appeared 6 times, 4 appeared 3 times and 2 appeared 1 time. 6,3 and 1 are called weights. This method is called addition.
Generally speaking, the average is to add up all the numbers and divide them by the total. Expressed as:
(p 1 P2P 3n；
However, some data records have some identical numbers and several identical numbers, so multiply this number by a few. This is called weight weighting, that is, multiply it by a few and add it up. The average is still divided by the total.
Or take the above figures as an example:
The number of each number is expressed as: k 1, k2, k3? . kn；
1p 1k2p 2k 3 PK 1k2k 3......kn)
Three. Loan interest calculation formula
interest