1 month interest of 4000 yuan or 3300 yuan. Mainly depends on whether the dichotomy interest agreement is the monthly interest rate or the annual interest rate of the loan. If the annual interest rate is agreed, the annual interest rate of the loan is 20%. The loan principal of 200,000 yuan is 200,000 yuan, 20% = 40,000 yuan 1 year, 40,000 yuan/12 months = 3300 yuan 1 month.
If the monthly interest rate of the loan is agreed, then the loan is 200,000 yuan, and the monthly interest of/kloc-0 is 200,000 yuan, and 2%=0.4 million yuan.
2. The monthly interest is 2.3, and the loan is 200,000 yuan. How much is the monthly interest?
According to the current calculation method of the central bank's benchmark interest rate: interest = principal x interest rate x term, then 2.3% of the monthly interest of 200,000 yuan is 200,000 x 2.3% = 4600 yuan.
How much is the interest of 200003 cents a month?
Three points refers to the interest rate of 3% a month.
January interest: 200,000× 3% = 6,000 yuan.
The amount of interest depends on three factors: principal, deposit period and interest rate level.
The calculation formula of interest is: interest = principal x interest rate x deposit term.
In modern economy, interest rate, as the price of capital, is not only restricted by many economic and social factors, but also has a great influence on the whole economy.
Extended data
Factors that arouse interest:
1. Delay consumption. When the lender lends money, it is equivalent to delaying the consumption of consumer goods. According to the principle of time preference, consumers will prefer current goods to future goods, so there will be positive interest rates in the free market.
2. Anticipating inflation, inflation will occur in most economies, representing a certain amount of money, and fewer goods can be purchased in the future than at present. So the borrower needs to compensate the lender for the losses during this period.
3. In addition to alternative investments, lenders can choose to invest their funds in other investments. Due to the opportunity cost, the lender lends money, which is equivalent to giving up the possible return on other investments. Borrowers need to compete with other investments for this fund.
4. Investment risk: The borrower faces the risk of bankruptcy, absconding or non-repayment of debts at any time, and the lender needs to charge extra fees to ensure that compensation can still be obtained under these circumstances.
5. Liquidity preference, people will prefer that their funds or resources can be traded immediately at any time, rather than spending time or money to get them back. Interest rate is also a kind of compensation for this.
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