The bank loan interest is about 6.5, and the minimum interest of 6.5438+10,000 yuan should be 6,500 yuan per year. It is estimated that the loan will not be available. Most banks can lend money at an interest rate of around 8.0~9.5, which means 6,543,800 yuan, and your annual interest rate is around 8,000 ~ 9,500 yuan.

Second, what is the annual interest of the bank loan of 654.38 million yuan?

The expected annualized interest rate of the Bank of China is assumed to rise, so we can leave more room for repayment. 654.38+ ten thousand yuan. The repayment of equal principal and interest is the interest of RMB at maturity, which is the most common repayment result; Average capital repayment method is adopted, and the total interest is RMB. Different repayment methods naturally lead to different interest rates, but it also depends on one's own economic conditions. In addition to paying extra interest, your life pressure will increase invisibly.

3. What is the annual interest of the bank loan of 654.38 million yuan?

What is the annual interest rate of 1. Bank loan 100000?

To calculate the loan interest, besides knowing that the loan principal is 6,543,800 yuan and the loan term is 654.38+ 0 years, we also need to know the loan interest rate and repayment method.

Second, the loan interest rate.

At present, the benchmark loan interest rate of 1 year is 3.65%. Suppose the bank's loan interest rate rises by 55 basis points on the basis of LPR, and the loan interest rate = 3.65% (550.0005438+0) = 4.2%.

Third, the repayment method

When the loan term is 65,438+0 years, the common repayment methods are average capital, equal principal and interest, and interest before principal. The calculation formulas of the three methods are as follows.

1, average capital: interest =( 12 1) monthly interest rate of loan principal /2.

2. Matching principal and interest: interest = 12[ monthly interest rate of loan principal (1 interest rate) 12]⊙[( 1 interest rate)1]-loan principal.

3. Interest before principal: interest = annual interest rate of loan principal.

Fourth, the specific calculation

Number of loan repayment periods =112 =12; The monthly loan interest rate =4.2%/ 12=0.35%.

1, and the average capital interest = (121)1000000.35%/2 = 2275 yuan;

2. Equal principal and interest =12 [100000.35% (10.35%)12]; [( 10.35%) 12-65438。

3. Interest before principal = 1000004.2%=4200 yuan.

Verb (abbreviation of verb) calculation and analysis

As can be seen from the calculation results, when the loan interest rate is determined, after the bank loan of 65,438+10,000 yuan is repaid first, the interest generated by this repayment method is the highest, and the interest generated by the repayment method of equal principal and interest and average capital is less, so when we choose the repayment method, we can give priority to the repayment method of average capital, so that the interest generated by the loan is the least; Although only the current interest is paid every month after interest, the total interest generated by the loan is close to twice that of the other two repayment methods, which is not cost-effective.

4. How to calculate the monthly interest of bank loan of 654.38 million yuan?

Calculated at interest rate: For example, if you borrow 6,543.8+million yuan and pay it off in three years, and the annual interest rate is calculated at 654.38+ 00%, then the calculation method is as follows: the first annual interest rate of the loan is 654.38+00% = the annual interest rate is 654.38+00,000 yuan, and your annual interest rate is 654.38+00,000 yuan. How much should I pay back every month, that is, the monthly loan is 654.38+10,000 yuan, which will be paid off in three years. Three years is 36 months, so how much is the monthly repayment? The calculation method is as follows: 6,543,800 yuan+10,000 yuan principal divided by 36 months = 2,777.78 yuan, then the monthly repayment principal is 2,777.78 yuan. Given that the interest for one year is 1 0,000 yuan, the interest for one month is 1 0,000 yuan, divided by10.2 months, which equals 833.33 yuan, and the monthly repayment is equal to the monthly repayment principal plus the monthly repayment interest, that is, 2777.78833.33 = 36/. The annual interest is 1 0,000 yuan, and the monthly repayment is 3611.1/yuan.