This key depends on your loan time.
If the term is 3 months, the interest is: 300,000 * 4.86%/12 * 3 = 3,645 yuan.
If the term is 1 year, the interest is: 300000*4.86%= 14580 yuan.
Dan: So, you have to figure out the loan time and loan terms before you can figure it out. Including prepayment conditions, loan interest period and so on.
How to calculate the annual loan interest rate?
Take 200,000 years as an example.
(1) The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different lending banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis of the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on July 6, 2002+2065438. Types and annual interest rates are as follows: ① short-term loans for 6 months (inclusive) 5.6%; ② 6% for half a year to one year (inclusive); ③ One to three years (inclusive) 6.15%; ④ Three to five years (inclusive) 6.4%; ⑤ More than five years, 6.55%.
(2) Mortgage: comprehensively evaluate the bank loan interest rate according to the credit status of the loan, and determine the loan interest rate level according to the credit status of the loan, collateral, national policy (whether it is the first set) and the degree of bank credit funds. If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. The state stipulates that the lower limit of the interest rate of the first suite is 8.5 fold, and the bank loan interest rate is comprehensively evaluated according to the credit status of the loan. The loan interest rate is determined according to the credit situation, collateral and national policy (whether it is the first suite or not). If all aspects are evaluated comprehensively, the mortgage interest rates implemented by different banks are different. Some banks offer more discounts, some banks offer up to 15% discount, while others offer little or no discounts. Generally, in the first half of the year, there are sufficient credit funds, and the discount will be higher. In the second half of the year and the beginning of the year, due to the shortage of funds, the interest rate of the first home loan is subject to the benchmark interest rate, which is 1. 1 times or 1.05 times.
(3) According to the benchmark interest rate, the current benchmark interest rate was adjusted and implemented on July 6, 20 12, and the adjusted interest rate over five years was 6.55%. The monthly interest rate is 6.55%/ 12.
Monthly payment of 200,000 yuan for 20 years (240 months):
200000 * 6.55%/ 12 * ( 1+6.55%/ 12) 240/[( 1+6.55%/ 12) 240-65438]
Total interest:1497.04 * 240-200,000 =159,289.6 yuan.
Description: 240 is the power of 240.
How to calculate the benchmark interest rate fluctuation?
If the benchmark interest rate rises by 10%, the benchmark interest rate is × 1. 1.
How is the deposit interest rate of the bank calculated?
The interest of bank time deposits due within one cycle is simple interest method.
Interest = principal × interest rate× deposit term
1. Suppose the principal 10000 yuan, with a term of one year.
One-year current interest = 10000×0.35%= 35 yuan.
2. Suppose the principal 10000 yuan, with a term of three months.
Three-month interest =10000× (2.85% ÷12 )× 3 = 95 yuan.
3. Suppose the principal 10000 yuan, with a term of six months.
The annual interest rate =10000× (3% present12 )× 6 =150 yuan.
Note: Interest tax was suspended on June 9, 2008, 10, and it is tax-free at present.
What is the benchmark interest rate for deposits and loans? How is it calculated?
Paragraph 2 of Article 22 of the Law of the People's Bank of China stipulates: "The People's Bank of China may implement monetary policy by using the following monetary policy tools: (2) determine the benchmark interest rate of the central bank;"
Interest rate is the abbreviation of interest rate, which refers to the ratio of interest amount to deposit or loan amount in a certain period of time. There are three kinds of interest rates in China, which are determined by the supply and demand of funds: one is the deposit and loan interest rate of the People's Bank of China to commercial banks and other financial institutions, that is, the benchmark interest rate, also known as the legal interest rate; Second, the deposit and loan interest rate of commercial banks to enterprises and individuals is called commercial bank interest rate; Third, the interest rate in the financial market is called the market interest rate. Among them, the benchmark interest rate is the core, which plays a key role in the whole financial market and interest rate system, and its change determines the change of other interest rates.
Benchmark interest rate is one of the important means for China's central bank to achieve monetary policy objectives, and the basis for setting benchmark interest rate can only be monetary policy objectives. When the focus of policy objectives changes, the interest rate as a policy tool should also change. Different interest rate levels reflect different policy requirements. When the focus of the policy is to stabilize the currency, the central bank loan interest rate should be raised in time to curb overheated demand. On the contrary, it should be lowered in due course.
Last night, the People's Bank of China announced that it would lower the benchmark interest rate for deposits and loans. Since September 15, when the central bank announced that it would cut the benchmark interest rate for loans for the first time in four years, the central bank has announced three interest rate cuts in just one and a half months. This action is unprecedented.
This time, the benchmark interest rate of RMB deposits and loans of financial institutions will be lowered from 65438+1October 30th. Among them, the one-year deposit benchmark interest rate was lowered from the current 3.87% to 3.60%, down by 0.27 percentage points. The benchmark interest rate for one-year loans was lowered from the current 6.93% to 6.66%, down by 0.27 percentage points; The benchmark interest rates for other grades of deposits and loans will be adjusted accordingly. The interest rate of individual housing provident fund loans remains unchanged.
How is the bank mortgage interest rate calculated?
At present, several benchmark interest rates are:
1-5 years, 5-30 years
After 20 10. 10.20, 1. 1 multiplied by 6.56% and 6.75%.
After 20 10. 10.20, the benchmark is 5.96% 6. 14%.
After 20 10. 10.20, 8.5 discount is 5.07% and 5.22%.
After.12.23, 2008, 8.5 fold, 4.90% and 5.05%.
After 2008, 30% off 6.12.23 4.03% 4.16%
08. 12.23 incentive 1. 1 times 6.34% 6.53%
According to the interest rate of1after October 20th 15% 65438+10, your monthly repayment should be 3599.88 yuan, and the interest is 95985.25 yuan, so it should be about 5.2%.
1100,000 yuan should rise by 30% according to the three-year benchmark interest rate. How to calculate? 30 points
I don't know how to pay back the principal and interest on a monthly basis. The current benchmark interest rate was adjusted and implemented on July 6, 20 12, and the three-year interest rate was 6.15%; The benchmark interest rate rises by 30%: the monthly interest rate is 6.15% *1.3/12.
65438+100,000 3 years (36 months) monthly repayment:
100000 * 6. 15% * 1.3/ 12 * ( 1+6. 15% * 1.3/ 12) 36/
Total interest: 3133.41* 36-100000 =12802.76.
Description: 36 is the 36th power.
How to calculate the loan interest rate?
Loans are divided into average capital and equal principal and interest. . . There are many calculators on the Internet. You can search for them yourself.
I calculated it for you, and the house price is 765000. The down payment is 30% 229,500 yuan and the loan is 535,500 yuan.
The matching principal and interest algorithm is the total repayment amount 1060839.8. Interest 525339.8. The monthly payment is 2946.78 yuan. The interest rate is 5.22%. You didn't say if it was a provident fund. I calculated according to the commercial loan, which is the preferential interest rate for buying a house for the first time.
The average total repayment of capital is 955,880.66. Interest 420380.66. The interest rate is the same, the monthly payment is still decreasing, and the pressure is great at first. If you are unable to repay the loan in advance, it is not recommended. Formula I'll give you a simple calculation of high school math problems:
Monthly repayment amount = current principal repayment+current interest.
Current month's repayment amount = total loan amount ÷ repayment times.
Current month's interest = last month's remaining principal × monthly interest rate
= total loan × (1- (repayment months-1)÷ repayment times )× monthly interest rate.
Total interest = total loan amount × monthly interest rate × (repayment times+1) ÷ 2
I will simply send it to you in the first three months and the last three months. 65438+1October 38 16.48 (yuan) February 38 10.0 1 (yuan) March 3803.54 (yuan)
358 months, 1506.9 1 (yuan) 359 months, 1500.44 (yuan) 360 months, 1493.97 (yuan).
Talk nonsense. . . Brother, what's your salary? Generally speaking, your salary is at least twice the monthly payment, otherwise you won't be granted so much money. Of course, finding someone is another matter.
How to calculate the interest on bank deposits?
If you only care about the amount of interest, you can simply calculate and compare it. The principal is 654.38 million yuan, and the time is two years, as follows:
Automatic rollover upon maturity of three months: three-month interest rate1.71%* 3/12 =1.71%/4 = 0.4275%. There are eight months in two years, and the total principal and interest is100000 * (1+0.4275%) 8 (power of 8) =103471.61yuan.
Six months is also calculated in this way: total principal and interest100000 * (1+1.98% * 6/12) 4 =104019.20 yuan.
One year: total principal and interest100000 * (1+2.25%) 2 =104550.63 yuan.
Two years: total principal and interest100000 * (1+2.79% * 2) =105580 yuan.
So in terms of interest, two years is the most, but the principal can't be moved for two years, and the interest for three months is the least. You can move the principal every three months, depending on your decision.
How to calculate the percentage of interest rate?
Interest rate is also called interest rate. Represents the ratio of interest to principal in a certain period, usually expressed as a percentage, which is called annual interest rate. The calculation formula is: interest rate = interest amount/principal/time * 100%.
Interest rate, in terms of its manifestation, refers to the ratio of interest amount to total borrowed capital in a certain period. Interest rate is the interest level of unit currency in unit time, indicating the amount of interest.