Please help me if you know anything about banking. In 2009, the loan was 200,000 yuan, and the interest rate was 0.7, and the principal and interest were equal (13), which was the same every year.

What you need to know is actually one of the most common basic common sense problems in the implementation of loan interest rates.

According to the regulations of the People's Bank of China, the loan interest rate (taking your personal housing mortgage loan as an example) is subject to the contract interest rate stipulated in the personal loan contract.

Contract interest rate = term grade benchmark interest rate *( 1+ floating ratio)

For example, after the adjustment on July 6, 20 12, the interest rate of loans with a term of more than 5 years is 6.55%. If the contract stipulates a 30% discount rate, the execution rate =6.55%*( 1+30%)= 4.585%.

After the loan is issued, the loan execution interest rate will be adjusted once every June 65438+ 10/. If the interest rate is adjusted from 6.55% to 6% today, your loan execution interest rate will be 4.2% from 20 13 10/0.

Another point: bank loans generally bear interest on a daily basis (daily interest rate = annual interest rate /360). Interest rate calculation formula—

Monthly interest = loan balance of last month * daily interest rate * actual days of the month.

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