① Short-term loans for less than six months (inclusive) 6.10%;
② 6.56% of 6 months to 1 year (inclusive);
③ 6.65% for one to three years (inclusive);
④ 6.90% for three to five years (inclusive);
⑤ More than five years and 7.05%.
Interest rate refers to the ratio of the amount of interest to the amount of borrowed funds, that is, the principal, in a certain period. Interest rate is the main factor that determines the capital cost of an enterprise, and it is also the decisive factor for enterprise financing and investment. When studying the financial environment, we must pay attention to the present situation and changing trend of lead slag rate.
Refers to the ratio of the interest amount due in each period to the par value of the borrowed, deposited or borrowed amount (called the total principal). The total interest of the lent or borrowed amount depends on the total principal, interest rate, compound interest frequency and the length of time of lending, deposit or borrowing. Interest rate is the price that the borrower needs to pay for the money borrowed, and it is also the return that the lender gets by delaying its consumption and lending it to the borrower. The interest rate is usually calculated as a percentage of one-year interest to principal.
Generally speaking, the term of each financing transaction is calculated from the date when the customer actually uses the funds. The financing interest is calculated according to the natural days when the funds are actually used, and will be automatically settled after the expiration.
The calculation formula of financing interest is:
Financing interest = financing amount × financing annual interest rate × natural days of actually using funds /360.
But in real life, the calculation of financing interest depends on who you finance from, and different financing objects calculate interest in different ways. If financing is provided to securities companies, such as margin financing and securities lending, the interest of financing is 8.6% per year, and the calculation formula of interest is = financing amount *8.6%* financing period /360, and the longest period of margin financing and securities lending is 6 months. How to calculate financing interest can also be called leverage cost. Refers to the investor who uses the principal as the deposit in the securities firm and borrows the funds of the securities firm to invest. Brokers who lend money charge loan interest, which is financing interest. Suppose financing buys 6,543,800 yuan (including handling fee) and holds it for 20 days (natural day) to sell it. The annual interest rate of financing is 5.8% and the interest period is 360 days. The company's interest rate is 6.5438+10,000 yuan× 5.8%/360 days× 20 days =322.22 yuan.