When the discount method is adopted, the actual interest rate is: (1000×12%) ⊙ [1000× (1-kloc-0/2%)] = when the collection method is adopted, the actual interest rate is/kloc.

The real interest rate of interest rate hike is: (10000× 6%) ↓ (10000 ÷ 2) =12%, and the real interest rate hike is the lowest.

When the discount method is adopted, the actual interest rate is: (1000×12%) ⊙ [1000× (1-kloc-0/2%)] = when the collection method is adopted, the actual interest rate is/kloc.

The real interest rate of interest rate increase is: (10000× 6%) ↓ (10000 ÷ 2) =12%, and the real interest rate of interest rate increase is the lowest.

Extended data:

In the case of repayment of loans by installments, banks should add the interest calculated at the nominal interest rate to the loan principal, calculate the sum of loan principal and interest, and require enterprises to repay the sum of principal and interest by installments during the loan period.

Because the loan is repaid in installments, the borrowing enterprise actually only uses half of the loan principal on average, but pays the full interest. In this way, the real interest rate borne by the enterprise is about 1 times higher than the nominal interest rate.

For example, an enterprise borrows 20,000 yuan, with an annual interest rate of 12%, and repays the principal and interest in equal installments 12 months. Because of equal repayment, the borrower's funds at the beginning of the year were 20,000 yuan, which decreased evenly throughout the year, and at the end of the year, it was 0, and the borrower's funds held throughout the year were (20,000+0)/2.

If the interest on available funds is not considered, the actual interest rate of the loan = (20000×12%)/(20000/2) = 24%.