Matching principal and interest method: loan principal: 100000 Assuming annual interest rate:: 3 years: monthly repayment principal and interest amount: 2985.88 yuan, total repayment amount: 107 interest: 7491.6395.83; Repay the principal on 1 month. After that, the interest paid every month will decrease and the principal will increase. (without considering the adjustment of interest rate in the middle)
2. What is the monthly interest on the loan 1000000 yuan?
The benchmark interest rate for one-year loans stipulated by the People's Bank of China is 4.35%. If the loan is 654.38+ten thousand yuan, the interest will be 654.38+ten thousand ×4.35%× 1 = 4350 yuan.
You can use mortgage loans or credit loans when making loans; Credit loans must provide a good bank flow and a good credit record. If you have a bad credit record, the loan is likely to be rejected. You can check the credit for confirmation before the loan.
Be sure to evaluate your repayment ability before lending, and don't exceed your burden. This loan had better not affect your life. If it is difficult to repay within one year, the loan time can be extended to reduce the repayment pressure.
3 3. 10/00000 yuan, with a daily interest rate of 0.02%, 1 month, what is the interest?
According to your loan, the daily interest rate is 0.02%, so the monthly interest rate is 0.02%×30=0.6%.
Then the loan100000, and the interest for one month is,
100000×0.6%
=600
That is, one month's interest is 600 yuan,
What is the monthly interest on the loan of 4.65438 million yuan?
The annual interest rate of the loan is 7.2%. If interest is to be calculated, if the loan applied for is calculated on a daily basis, the daily interest rate is 7.2%÷360=0.02%, that is, if the loan is borrowed for one year, the interest is 720 (the calculation formula is: loan interest = loan amount × loan interest rate × loan days). Of course, different loans have different interest-bearing methods. For example, some loans use the equal principal and interest repayment method, and the calculation is more complicated. Interest is the use fee of money in a certain period of time, and it refers to the reward that money holders (creditors) get from borrowers (debtors) for lending money or monetary capital. Including deposit interest, loan interest and interest generated by various bonds. Under the capitalist system, the source of interest is the surplus value created by hired workers. The essence of interest is a special transformation form of surplus value and a part of profit. Definition of interest: 1, money other than the principal generated by deposit and loan (different from' principal'). 2. The abstract interest point refers to the value added when monetary funds are injected into the real economy and returned. In a less abstract sense, interest generally refers to the remuneration paid by the borrower (debtor) to the lender (creditor) for using the borrowed currency or capital. Also known as the symmetry of sub-fund and parent fund (principal). The calculation formula of interest is: interest = principal × interest rate × deposit period (i.e. time). Interest is the reward that the fund owner gets for lending the fund, which comes from a part of the profits that the producer makes by using the fund to play its operational functions. Refers to the value-added amount brought by monetary funds injected into the real economy and returned. The calculation formula is: interest = principal × interest rate × deposit period × 100%. 3. The classification of bank interest can be divided into two types according to the nature of banking business: bank interest receivable and bank interest payable. Interest receivable refers to the remuneration that the bank obtains from the borrower by lending to the borrower; It is the price that the borrower must pay for using the funds; It is also part of the bank's profits. Interest payable refers to the remuneration paid to depositors by banks to absorb their deposits; It is the price that banks must pay to absorb deposits, and it is also part of the cost of banks.