The monthly interest rate is 0.56%, so the monthly interest rate of 10000 yuan is 56 yuan.
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How to calculate the interest? How to calculate the monthly interest?
Calculation steps:
Judge whether the principal reaches the value point. If not, there is no need for interest.
If the value point is reached, multiply the interest rate by 30.
Then multiply the result by the principal to get the monthly interest.
Basic formula: interest = principal × term × interest rate.
Conversion formula:
Annual interest rate = monthly interest rate × 12 (month) = daily interest rate ×360 (day)
Monthly interest rate = annual interest rate12 (month) = daily interest rate ×30 (day)
Daily interest rate = annual interest rate ÷360 (days) = monthly interest rate ÷30 (days)
Factors to consider when calculating interest:
Value point factor:
The starting point of interest on savings deposits is RMB, and interest is not paid for cents below RMB;
The interest amount is calculated to the decimal point, and the decimal point is rounded off when actually paid;
All other savings deposits, regardless of the duration of deposit, are paid off with the principal at the time of withdrawal, excluding compound interest, except that the current savings are settled on an annual basis and the interest can be converted into principal;
Factors for saving interest:
The calculation of deposit period adopts the method of head number instead of mantissa.
Whether it is a big month, a small month, a flat month or a leap month, it is calculated as 30 days per month and 360 days per year.
The maturity date of all kinds of deposits is calculated by year, month and day. If the account opening date is the missing date of the due month, the last day of the due month is the due date.
Extended data:
Benchmark lending rate
The benchmark interest rate for deposits and loans is the guiding interest rate for loans issued by the central bank (People's Bank of China) to commercial banks, and it is one of the monetary policies used by the central bank to regulate the operation of social economy and financial system.
Commercial banks will formulate a portfolio of deposit interest rates based on this benchmark interest rate. Raising the benchmark interest rate means shrinking credit, reducing social mobility, raising the cost of credit and slowing down economic development. or vice versa, Dallas to the auditorium
Extended Link: Baidu Encyclopedia-Interest Calculation
10000 yuan, how much interest is the monthly interest of 0.69?
Monthly interest, 69 yuan.
According to the meaning of the question, the loan principal is 10000 yuan, that is, 10000 yuan.
The monthly interest rate is 0.69, or 0.69%.
According to the formula, monthly interest = principal * monthly interest rate.
Substituting the data in the question, we can get the formula:
Monthly interest = 10000*0.69%=69 (yuan)
Extended data:
Interest (year) = principal × annual interest rate (percentage) × deposit period
Or interest = principal × interest rate× time
Deposit (loan) interest = principal x days x listing interest (daily interest rate) = interest-bearing days x daily interest rate.
Interest tax = deposit (loan) interest (income tax payable) × applicable tax rate
Matters needing attention in loan:
1. When applying for a loan, the borrower makes a correct judgment on his economic strength and repayment ability according to the loan interest rate. Design a repayment plan according to your income level, leaving room appropriately, without affecting your normal life.
2. Choose the appropriate repayment method. There are two repayment methods: equal repayment and equal principal repayment. Once the repayment method is agreed in the contract, it shall not be changed during the whole loan period.
3. Repay on time every month to avoid penalty interest. From the month after the loan is initiated, it is generally the repayment date of the next month. Don't cause liquidated damages because of your negligence, so that banks can't apply for loans again.
4. Take good care of your contracts and IOUs, read the terms of the contracts carefully, and know your rights and obligations.