The author calculated an account for everyone, and the daily interest is 1.5 yuan, which means that 45 yuan is at most one month (calculated by 30 days), and 540 yuan is next year. Then, according to the above paragraph, is the interest generated by this account high or low? According to the current interest rate, the daily interest of 10000 yuan and 1.5 yuan can be considered as a low standard, and it is a very low standard. 65438+100000 yuan, and the interest is 1.5 yuan, that is, the interest rate of 65438+0.5 per ten thousand, which is equivalent to the annualized interest rate of deposits of about 4.8%.
However, this low interest rate is not common. General mortgage companies and some large enterprises can enjoy this low interest rate. For example, in some cities, most banks' mortgage loans will increase by 5% to 30%, and the real interest rate will be between 5. 145%-6.37%, which is obviously higher than the daily interest rate 1.3%. As for individuals or small and medium-sized enterprises borrowing money from banks, the interest rate has never been lowered. Whether it is mortgage loan or credit loan, the interest rate is basically above 6%. Banks will exceed the benchmark interest rate by 30%-50% in the process of handling loans.
For example, the bank's monthly interest rate is about 0.75%, that is, the monthly interest of 1 0,000 yuan is 75 yuan RMB, and the daily interest rate is about 2.5 yuan, which is twice the interest of10 3 yuan.
It is worth noting that the credit consumption loan is equal to the repayment of principal and interest, and the monthly interest rate will not decrease with the decrease of this amount. For example, the loan10,000 yuan is repaid in minutes 12 months, and the monthly interest rate in the first month is 0.75%, so it is necessary to repay 908.3 yuan, of which the principal is about 833 yuan. In the fifth month, I have paid back 10000 yuan in four installments, which is about 3333 yuan. Arguably, the following interest should be charged according to the remaining principal of 6666 yuan, but I'm sorry, I think too much, and the interest to be paid is still 10000 yuan.
The 0.75% monthly interest rate mentioned by the author is not bad. It is not easy to borrow money from the bank at this interest rate. What worries me most is that if you give the bank an annual interest rate of 15%, the bank may not give you a loan because it is really difficult to borrow money from the bank. In a word, you are happy, because you borrow 1 000 yuan from the bank and earn 1.5 yuan interest every day. I don't know how happy you are.