1. Conventional algorithm: 10000*4.35%=435 yuan, that is, the interest of bank loan 1000 is 435 yuan. However, because banks usually calculate interest according to the repayment method, the interest calculated in the following two ways is more accurate.
2. Matching repayment of principal and interest: the monthly repayment is 853. 10 yuan, the total repayment amount is 10237. 19 yuan, and the total interest is 237.6438+09 yuan.
3. Equal principal repayment: the repayment in the first month is 869.58 yuan, with a monthly decrease of 3.02 yuan. The total repayment is 10235.63 yuan, and the total interest is 235.63 yuan.
At present, the interest rate of 1 year loan stipulated by the People's Bank of China is 6%, but it is not exactly the same among banks and may fluctuate up and down. Take ICBC as an example: on July 6, 20 12, the interest rate of ICBC 1 year loan was 6%.
If the loan is repaid annually, the calculation formula of bank loan interest is: interest = principal × interest rate × loan term 1 annual bank loan interest = 10000×6%× 1=600 (note: the interest rates announced by the central bank are all annualized, with a year as the unit).
At present, the loan interest rates of most domestic banks are floating, and the loan interest rates implemented by commercial banks can fluctuate on the basis of the benchmark interest rate within the floating range allowed by the central bank according to the actual situation of borrowers, so the specific loan interest rates of various banks are not exactly the same. The specific bank loan interest rate is subject to the announcement of the local bank. First, understand the specific bank loan interest rate implemented by your bank, and then use the above-mentioned bank loan interest calculation formula to get the bank loan interest rate.
The plan of spending money in life will never keep up with the changes, and there will always be times when the capital turnover is not enough or the money is urgently needed. Baidu Financial Atomic Company is a licensed company in industrial and commercial registration, Chongqing, which cooperates with licensed financial institutions such as regular banks and consumer finance companies to provide services. Those who have money to spend have a credit line of 500,000-200,000, with a minimum daily interest rate of 0.02% and an annualized interest rate of 7.2%. The actual interest rate is determined by the system according to the comprehensive situation of users. The borrower must be at least 65,438+08 years old but not over 55 years old. The loan information only needs the second-generation ID card and bank card, and students are not allowed to apply for loans.
References:
Du Xiaoman has money to spend on official website.