The loan is 30,000 yuan, with one interest, 1%. Because you didn't say whether it's monthly interest or annual interest, I'll calculate it for you. The results are as follows:
The annual loan interest is equal to the loan principal multiplied by the annual loan interest rate.
One point every month:
30000 * 1% = 300 yuan's monthly interest is 300 years, and the interest in the first year is 300* 12=3600 yuan.
One point per year:
30000* 1%=300 yuan's annual interest rate is 300 yuan.
When choosing loan products, some platforms will use some "tricks" to deceive consumers. For example, if the actual amount received is different from the contract amount, the interest calculated on this basis will be different; In addition, fees are charged in the name of "platform service fee" and "intermediary service fee".
When calculating interest, calculate interest directly according to the amount on hand and the actual amount to be repaid.
The interest rate of the bank is determined by the interest rate of the bank. The following are some current interest rates of prime bank:
1. Five state-owned commercial banks (Industrial and Commercial Bank of China, Agricultural Bank, China Construction Bank, Bank of China, Bank of Communications): deposit interest rate, 0.3%. Three-month fixed deposit rate 1.35%, half-year deposit rate 1.55%, annual deposit rate 1.75%, annual deposit rate 2.25%, annual deposit rate 3.75% and annual deposit rate 5.75%.
2. China Merchants Bank: deposit interest rate, 0.35%. Three-month fixed deposit rate 1.35%, half-year deposit rate 1.55%, annual deposit rate 1.75%, annual deposit rate 2.25%, annual deposit rate 3.75% and annual deposit rate 5.75%.
3. Shanghai Pudong Development Bank: deposit interest rate, 0.3%. Three-month fixed deposit rate 1.5%, half-year deposit rate 1.75%, annual deposit rate 2%, annual deposit rate 2.4%, annual deposit rate 3.8% and annual deposit rate 5.8%.
4. Postal Savings Bank: The deposit interest rate is 0.35%. Three-month fixed deposit rate 1.35%, half-year deposit rate 1.3 1%, annual deposit rate 2.03%, annual deposit rate 2.5%, annual deposit rate 3% and annual deposit rate 5%.
5. Guangfa Bank: deposit interest rate, 0.3%. Three-month fixed deposit interest rate 1.5%, deposit semi-annual interest rate 1.75%, deposit annual interest rate 2%, deposit annual interest rate 2.4%, deposit annual interest rate 3. 1%, deposit annual interest rate 3.2%.
How much is the interest of 30 thousand yuan a minute?
; ? It is inevitable to borrow money or be borrowed in one's life, but there will be some problems in the process of borrowing money and being borrowed, such as interest. How to answer these questions? Next, let's take a look at it with you: how much is the interest of 30 thousand yuan?
How much is the interest of 30 thousand yuan a minute?
The monthly expected annualized interest rate is 30000* 1%=300, and the annual expected annualized interest rate = monthly expected annualized interest rate * 12=300* 12=3600, so the interest of 30,000 yuan is 3600 yuan. This method can be converted by changing the cardinality.
In fact, it also involves the issue of annual interest and monthly interest.
If the annual interest rate is one point, the annual interest in 300 yuan is equivalent to the historical expected annualized expected return 1%, which is not high and lower than the bank time deposit.
If the monthly interest rate is one point, the annual interest rate is 12%, and the annual interest rate is 3600 yuan.
Need special reminder.
The expected annualized interest rate of private lending is generally not calculated according to the standard of the benchmark expected annualized interest rate, but in the form of "a few cents" and "a few cents". "One point" refers to one percent of the loan amount plus monthly interest. That is, the borrower borrows 100 yuan, and the interest generated in one month is 1 yuan.
Never touch usury even if there is a financial crisis. According to state regulations, if the expected annualized interest rate of loans is four times higher than the expected annualized interest rate of bank loans in the same period, it belongs to usury. This is not protected by law.
Proper investment and financial management can effectively avoid financial risks
1. investment funds, some money funds can deposit and withdraw money directly, which is extremely liquid, but the expected annualized expected return is not very high, but it is always much higher than the current interest of banks. Yu 'ebao and online merchant bank are both good choices.
2. When we are relatively rich, we can choose to invest in online lending P2P, and the expected annualized expected return is between 10%. When we need money, it is also a good source of backup funds.
What is the interest of 30 thousand yuan a minute needs to be divided into annual interest and monthly interest, which must be paid attention to, because the difference between annual interest and monthly interest is huge, so we must make this clear in the process of borrowing.
How much interest should I pay for a loan of 30 thousand a year?
The interest of 1 min means the interest rate is 1%, because the deposit term of 1 year is 12 months. According to interest = principal × interest rate× time, we can know that 30000× 1%× 12=3600 (yuan).
Loan interest refers to the reward that the lender gets from the borrower for issuing monetary funds, and it is also the price that the borrower must pay for using the funds. Bank loan interest rate refers to the ratio of interest amount to principal amount during the loan period. The interest rate of loan contracts with banks and other financial institutions as lenders can only be determined through consultation within the upper and lower limits of interest rates stipulated by the Bank of China. If the loan interest rate is high, the repayment amount of the borrower will increase after the loan term, otherwise it will decrease. There are three factors that determine loan interest: loan amount, loan term and loan interest rate.
Calculation formula: principal × interest rate× term = interest.