The interest of 65,438,000+loans of rural commercial banks is as follows:
The loan interest rate of rural commercial banks within one year is 4.35%. According to the calculation formula, interest = loan principal, loan interest rate and loan term, the annual interest of Liangxun loan is 65,438+0,000,004.35% 65,438+0 = 4, 350 yuan.
Attachment: The loan interest rate of rural commercial banks is subject to the benchmark interest rate stipulated by the central bank, but the loan interest rates of different banks and different regions may fluctuate to some extent. For details, the lender can inquire at the business outlets of the nearby rural commercial banks, and the interest on the virtual loan of RMB 654.38 million from the rural commercial banks is as follows:
The loan interest rate of rural commercial banks within one year is 4.35%. According to the calculation formula, interest = loan principal, loan interest rate and loan term, the annual interest of 6,543.8+10,000 yuan loan is calculated as:1000004.35%1= 4,350 yuan.
Attachment: The loan interest rate of rural commercial banks is subject to the benchmark interest rate stipulated by the central bank, but the loan interest rates of different banks and different regions may fluctuate to some extent. For details, the lender can inquire at the business outlets of nearby rural commercial banks.
How much is the loan interest of rural commercial banks?
The loan interest rate of rural commercial banks fluctuates on the benchmark interest rate of the central bank, as follows:
1. Short-term loan: the loan interest rate within one year (inclusive) is 4.35%.
2. Medium and long-term loans: the loan interest rate for one year to five years (inclusive) is 4.75%; The loan interest rate for more than five years is 4.9%.
3. Personal housing provident fund loan: the loan interest rate for five years and below is 2.75%; The loan interest rate for more than five years is 3.25%.
Specifically, the loan contract interest rate of rural commercial banks shall prevail.
As the basic calculation method of bank deposit interest and loan interest. The interest calculation formula has played a great role in the daily settlement of banks and the daily life of ordinary people, and it will become more and more important.
Interest rate, also known as interest rate, is the ratio of interest to principal on a certain date, which is generally divided into annual interest rate, monthly interest rate and daily interest rate. The annual interest rate is expressed as a percentage, the monthly interest rate is expressed as one thousandth and the daily interest rate is expressed as one thousandth.
If the annual interest rate of 9% is written as 9%, that is to say, every thousand yuan deposit will get the regular annual interest rate in 90 yuan, and the monthly interest rate of 6% is written as 6‰, that is, the monthly interest rate of every thousand yuan deposit is written as 6 yuan, and the daily interest rate of 1% 5 cents is written as 0. 15‰, that is, the daily interest rate of every thousand yuan deposit is 1.5 cents. Monthly interest rate ÷30= daily interest rate; Annual interest rate ÷360= daily interest rate.
The interest calculation formula is mainly divided into the following four situations. First, the basic formula for calculating interest. The basic formula for calculating the interest of savings deposits is: interest = principal × term × interest rate.
The second is the conversion of interest rate, in which the conversion relationship among annual interest rate, monthly interest rate and daily interest rate is: annual interest rate = monthly interest rate × 12 (month) = daily interest rate ×360 (day); Monthly interest rate = annual interest rate ÷ 12 (month) = daily interest rate ×30 (days); Daily interest rate = annual interest rate ÷360 (days) = monthly interest rate ÷30 (days). In addition, the use of interest rates should be consistent with the deposit term.
Third, the starting point of the interest calculation formula.
1, the starting point of savings deposit interest is RMB, and interest is not paid for cents below RMB;
2. The interest amount of Li Lunqiao Book shall be calculated to one decimal place, and shall be rounded to one decimal place when actually paid;
3. Except that the current savings are settled on an annual basis and the interest can be converted into principal, regardless of the deposit period, the interest of other savings deposits will be paid off with the principal at the time of withdrawal, excluding compound interest.
Fourth, the calculation of the deposit period in the interest calculation formula.
1, and the storage period is calculated by counting the head, eliminating rot and not counting the tail;
2, regardless of the big month, small month, flat month, leap month, every month is calculated as 30 days, and the whole year is calculated as 360 days;
3. The maturity date of all kinds of deposits shall be calculated on an annual and monthly basis. If the account opening date is the missing macro date of the maturity month, the maturity date should be the last day of the maturity month.
How much is the credit loan interest of rural commercial banks?
The annual interest rate of rural credit bank loans is 4.75%. The interest rates of commercial loans of rural credit cooperatives are: annualized interest rate of 5.6% for six months or less, annualized interest rate of 6% for six months to one year, and annualized interest rate of 6. 15 for one year to three years.
V. Interest on loans from rural commercial banks
The loan interest of rural commercial banks is between 0.5- 1.5. 1. Short-term loan: the loan interest rate for less than 6 months (inclusive) is 4.35%; The interest rate for the loan term of 6 months to 1 year (inclusive) is 4.35%. 2. Medium-and long-term loans: loan term 1 to 3 years (inclusive), and Li Hui's nuclear rate is 4.75%; The interest rate for the loan term of 3 to 5 years (inclusive) is 4.75%; The interest rate for loans over five years is 4.90%.
Personal housing provident fund loan: the loan interest rate for five years or less is 2.75%, and the loan interest rate for more than five years is 3.25%. Since 20 19 and 10, the interest rate of individual commercial housing loans has changed from the benchmark interest rate to the loan market quotation (LPR), so the loan interest rate will be adjusted accordingly. In fact, the execution interest rate of bank outlets will fluctuate, and the specific interest rate will be subject to the signing of the final contract of zui.
How much is the loan interest of rural commercial banks?
Loan interest rate of rural commercial banks: within 6 months: 5.6%; 6 months-1 year: 6%; 1-3 years: 6.15%; 3-5 years: 6.4%.
The calculation formula is:
1, loan interest = loan principal loan time loan interest rate;
2, often used as annual interest rate, monthly interest rate and daily interest rate to determine the size of the reduction, the actual interest is the same;
3. If the loan time unit is days and the interest rate is years: loan interest = loan principal, loan time (days) and loan interest rate/360;
4. If the loan time unit is days and the interest rate is months, the loan interest rate = loan principal loan time (days) loan interest rate/12;
Pay attention to distinguish interest rates: the percent sign is the annual interest rate, the micrometer is the monthly interest rate, and the semicolon is the daily interest rate.
This is the end of the introduction about the loan interest of rural commercial banks and what conditions are needed for the loan of 30 thousand by rural commercial banks. I wonder if you have found the information you need?