Here's the thing.
A friend asked: Zhuangzi, should I mortgage my house for financial management? The annual interest rate is only 5%, the financial management can be 8%, and the net profit is 3%.
Let me tell a story first.
I borrowed money from my 65,438+02 local friends, and each of them lent me 654.38+million yuan (a total of 654.38+200,000 yuan). They lent me 65,438+0-65,438+02 months respectively, and each of them charged me interest of 65,438+00,000 yuan (a total of 654,380+200,000 yuan).
I went to primary school, and I calculated:
I kicked the local tyrant from 1 to 1 1 to the wall, and my friends were exhausted ~!
Local tyrant 12 is my true love!
Later, a local tyrant named Finance came to me and said that he could lend me 654.38+200,000 yuan with interest of 654.38+200,000 yuan.
I went to primary school, so I calculated tactfully:
This financial local tyrant is also true love ~!
But he seems to have another request. .....
Local tyrants, wait, let me think ~ ~ ~
200,000 yuan is still 65,438+0/65,438+02 per month, that is, 65,438+00,000 yuan, 65,438+020,000 yuan, 65,438+065,438+000,000 yuan per month, etc. , the same as the previous 100000 yuan. ! ! !
/kloc-only use one pen for 0/2 months! ! !
Let's sum up
The so-called real interest rate refers to paying off the principal and interest in one lump sum at maturity without any handling fee or installment payment, so the interest rate is real. The real bank loan interest rate is generally much higher than the interest rate advertised by the bank (the annualized interest rate told you in the information).
answer the question
Don't ask me how to calculate, just as no one can calculate calculus with calculation, EXCEL opens the formula and goes directly to the chart.
This monthly repayment of principal and interest is settled by IRR formula. I am interested in studying it, but I am not interested in seeing the results. The effective interest rate is 9. 1%.
Given an inaccurate reference value, the actual interest rate of the loan that pays the principal and interest every month is about 0.8 times of 65438+ advertising interest rate. There are always lazy people who need this conclusion, and I am not responsible for this conclusion.
Is there a lack of materials in the sales circle of friends? Please pay attention to Zhuangzi Vernacular, the official WeChat account focusing on sales support.