The answer to this question is that the loan of 20o3 rural credit cooperatives is 3oo yuan, and the interest is 246o yuan so far.
The calculation method is 3oo yuan multiplied by the interest rate of 4. 1 to get 3oo yuan multiplied by 0.04 1 to get 246o yuan.
2. From 2003 to 2065438+2007, the loan from rural credit cooperatives was 3,000 yuan. ...
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The loan interest rates of credit cooperatives vary from place to place. The calculation formula of interest is: interest = monthly loan interest rate (expressed by micrometer) × principal× days/30,000.
Three. In 2003, I borrowed 3000 yuan from the rural credit cooperatives to 20 17 years. How much principal and interest should I repay?
The loan interest rates of credit cooperatives vary from place to place. The calculation formula of interest is: interest = monthly loan interest rate (expressed by micrometer) × principal× days/30,000.
4. What's the interest on a three-year loan of 70,000 yuan and 90,000 yuan? How much is it a month?
A loan of 70,000 yuan means a loan principal of 70,000 yuan with a term of 3 years, so the interest of 90,000 yuan minus 70,000 yuan equals 20,000 yuan, and the monthly repayment is 90,000 yuan.
(1) The interest rate conversion formula for RMB business is (note: common for deposits and loans):
1. daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷3÷ 12.
(two) banks can use the product interest method and the transaction interest method to calculate interest.
1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is:
Interest = accumulated interest-bearing products × daily interest rate, in which the accumulated amount is total.
2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:
If the interest-bearing period is a whole year (month), the interest-bearing formula is:
① Interest = principal × year
If the interest period is a whole year (month) and a few days, the interest formula is
② Interest = principal × annual principal × odd days × daily interest rate.
At the same time, banks can choose to convert all interest-bearing periods into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is as follows:
③ Interest = principal × actual days × daily interest rate
These three formulas are essentially the same, but because the interest rate conversion is only 360 days a year. However, if the real daily interest rate is calculated by the day, the result will be slightly biased, and the central bank gives financial institutions the right to choose independently. Therefore, when this is stipulated in the contract.
(3) Compound interest: Compound interest refers to interest. According to the regulations of the central bank, the borrower who fails to repay the interest within the time stipulated in the contract will be charged with compound interest.
(4) Penalty interest: If the lender fails to repay the bank loan within the prescribed time limit, the bank shall pay the loan according to the contract signed with the parties.
(V) loans overdue liquidated damages: the nature is the same as penalty interest, and the contract is
(six) the formulation and filing of interest calculation methods
The interest-bearing settlement rules and interest-bearing measures for deposit and loan business formulated by national commercial banks as legal persons are published in the newspaper; To put on record the laws of regional commercial banks, urban credit cooperatives and central branches of provincial capitals and inform customers; The legal person of a rural credit cooperative county union may file a record according to the accounting and interest settlement rules and the deposit and loan business of the central branch of the provincial capital city, and the legal person of the rural credit cooperative shall inform the customer.
(7) Reference basis:
1. Provisions on the Administration of RMB Interest Rate (Yinfa 199977).
2. Notice of the People's Bank of China on issues related to the interest rate of RMB loans. 200325 1).
3. Notice of the People's Bank of China on Interest Calculation and Settlement of RMB Deposits and Loans (Yinfa [2004]10/No.. 2005 129).
Bank loan interest rate refers to the ratio of interest amount to principal amount during the loan period. The interest rate in China is managed by the People's Bank of China. The bank loan interest rate refers to the benchmark interest rate set by the People's Bank of China, and the actual contract interest rate can fluctuate within a certain range on the basis of the benchmark interest rate. The loan interest rate refers to the ratio of interest amount to principal amount during the loan period. The interest rate of loan contracts with banks and other financial institutions as lenders can only be determined through consultation within the upper and lower limits of interest rates stipulated by the Bank of China. If the loan interest rate is high, the repayment amount of the borrower will increase after the loan term, otherwise it will decrease.
The loan interest rate is the main basis for the parties to the loan contract to calculate the loan interest, and the loan interest rate clause is the main clause of the loan contract. The interest rate of loan contracts with banks and other financial institutions as lenders can only be determined through consultation within the upper and lower interest rate limits stipulated by the People's Bank of China. If the loan interest rate agreed by the parties is higher than the interest rate ceiling set by the People's Bank of China, the excess will be invalid; If the interest rate agreed by the parties is lower than the lower limit stipulated by the People's Bank of China, the lowest interest rate stipulated by the People's Bank of China shall prevail. In addition, if the lender charges any other fees except interest in violation of the regulations of the People's Bank of China, it will be punished by the People's Bank of China.
The loan interest rate is generally higher than the deposit interest rate, and the difference between them is the main source of bank profits.