How is my interest calculated? How to calculate interest How to calculate it?

Hello. 1.The one-year lump sum deposit and withdrawal interest rate is.

If you save 800 yuan a month, it will be 9,600 yuan a year. The interest is: 9600*yuan.

2.The current interest rate is.

According to the calculation of November start, 800 yuan per month, to May, a total of 7 months.

Because it's a bit troublesome to be accurate to the day, now it's a month to help you calculate.

210 + 180 + 150 + 120 + 90 + 60 + 30) * 800 * yuan.

The monthly term interest rate is.

5600* yuan.

4.Same as point 2, it is also calculated on a monthly basis, for a total of 5 months.

180 + 150 + 120 + 90 + 60 + 30) * 800 * yuan.

5.According to your wishes, the interest that the teller should give you is:

Yuan. But I would say that it's just your will, and you may not get that much interest.

First of all, I would like to tell you that the above current interest is calculated on a monthly basis (30 days), not on the basis of actual days. Because according to the actual number of days, it will be a little less, but ... It is completely a matter of one yuan and a few corners, which can be ignored.

To be honest, I have also encountered such customers who ask for interest calculation, and it is true that the bank staff has a problem with the operation, and they should also be held accountable for this. Therefore, when the bank staff calculates, it is generally calculated in months, one is for convenience, and the other is to express an apology. Since we have caused trouble to customers, we will do our best to solve problems for customers and make them satisfied.

At the same time, I would also advise that you do not need to be angry at the bank's fault. After all, no one wants something wrong to happen, and since it has happened, let's solve it together. Let's build a harmonious society.

The above is my personal opinion, and I think it should express the sentiment of most of the bank staff who are in the front line counter. Hehe... If the landlord doesn't like it, take it as a joke.

A year is.

According to the logic, the business of fractional deposit and withdrawal cannot be automatically transferred. . . The customer should go to the counter to handle the transfer by himself. . .

It's better to do a fixed investment than to do a fixed investment. . .

Principal * Interest Rate * Time Interest, for example, 10,000 yuan saved for one year, according to the interest rate, its calculation method is as follows: 10,000 * yuan.

Further information: Interest is the fee for the use of money over a certain period of time, and refers to the remuneration received by the holder of the currency (creditor) from the borrower (debtor) for lending money or money capital. This includes interest on deposits, loans, and interest on various bonds.

in the capitalist system.

The source of interest is the surplus value created by the wage labourers.

The essence of interest is a special form of transformation of surplus value, which is part of the profit.

Definition. 1. Money other than the principal obtained from deposits and loans (different from 'principal').

2. Interest (interest) in the abstract refers to monetary funds.

The amount of value added when it is injected into the real economy and repatriated. Interest is less abstract and generally refers to the remuneration paid by the borrower (debtor) to the lender (creditor) for the use of borrowed money or capital. Also known as sub-gold, the symmetry of the mother gold (principal).

The formula for calculating interest is: interest = principal interest rate deposit term (i.e. time).

Interest is the remuneration received by the owner of the fund for lending the money, which comes from the part of the profit generated by the producer using the money to perform the operating function. It refers to the value-added amount brought by the injection and return of monetary funds to the real economic sector, and its calculation formula is: interest = principal interest rate 100% of the deposit period

3. Classification of bank interest.

According to the banking.

The difference in nature can be divided into two types: interest receivable by banks and interest payable by banks.

Interest receivable refers to the remuneration that the bank receives from the borrower for lending funds to the borrower; It is the price that the borrower must pay to use the money; It is also a part of the bank's profits.

Interest payable refers to the remuneration paid by the bank to the depositor for absorbing the deposit; It is the price that the bank has to pay to absorb the deposit and is part of the bank's cost.

1. Annual interest rate = monthly interest rate 12 (month) = daily interest rate 360 (days);

2. Monthly interest rate = annual interest rate 12 (month) = daily interest rate 30 (days);

3. Daily interest rate = annual interest rate 360 (days) = monthly interest rate 30 (days).

Provisions for the calculation of interest:

1. When calculating interest, the number of deposit days will be counted as the beginning and not the end, that is, from the date of deposit to the day before withdrawal; Burn.

2. Regardless of leap year or ordinary year, regardless of month size or month, the whole year is calculated as 360 days, and each month is calculated as 30 days;

3. The maturity date of all kinds of fixed deposits is calculated on a yearly, monthly, and daily basis. That is, from the deposit date to the same day of the next year and the same month as a pair of years, and the deposit date to the same day of the next month is a pair of months;

4. On the maturity date of regular savings, such as not working on statutory holidays, you can withdraw it one day in advance, and the interest will be calculated as if it is due, and the procedures will be handled with early withdrawal.

Notes:

1. According to the "Circular of the People's Bank of China on Banning Underground Money Banks and Cracking Down on Usury", the interest rate of private personal loans shall be determined by the borrower and the borrower through negotiation, but the interest rate negotiated by the two parties shall not exceed four times the loan interest rate of financial institutions of the same period and grade (excluding floating) announced by the People's Bank of China. If it exceeds the above standards, it should be defined as usurious lending.

2. Article 26 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases stipulates that if the interest rate agreed between the borrower and the borrower does not exceed 24% per annum, and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it. Socks are empty.

Interest Calculation Formula:

Interest = Principal Interest Rate Time of Deposit.

The principal value is interested. No interest is accrued below the yuan. The calculated interest is kept to the quantile.

Rounded up below the quantile. The interest rate is the ratio of the interest on a certain deposit to the principal amount of the deposit. Interest rates are set and announced by the People's Bank of China and implemented by financial institutions.

Interest rate expression: annual interest rate, monthly interest rate, daily interest rate. Attention should be paid to the correlation when applying interest rates:

Annual interest rate 12 = monthly interest rate, monthly interest rate 30 = daily interest rate.

Data Extensions. General provisions for the calculation of interest.

1. Interest-bearing range.

Commercial banks absorb depositors' funds. Except for budgetary deposits and special provisions, interest is not charged. Interest shall be paid as prescribed.

The accounting department should be based on the interest period and calculation method. Calculate interest accurately. Interest on deposits payable and unpaid is accounted for on the accrual basis.

2. Interest calculation time.

The deposit period is the time of deposit. It is generally said that the deposit period is "the beginning and not the end". That is, deposit EL to calculate interest. No interest will be calculated on the date of withdrawal. It is calculated from the date of deposit to the day before withdrawal.

Interest calculation is divided into the accumulation method and the case-by-case interest method

1.The accumulation method is based on the actual number of days, and the daily accumulated account balance is the interest calculated by multiplying the accumulated accumulation by the daily interest rate.

It is calculated as follows:

Interest= Cumulative Interest Accumulation Daily Interest Rate, where the cumulative interest accumulation is equal to the total daily balance during the interest period.

2.The interest-based method calculates interest on a case-by-case basis according to a predetermined interest-bearing formula, which is divided into year-to-month-to-day interest calculation and interest calculation according to the actual number of days.

1) Interest is calculated on a yearly, monthly, and daily basis.

If the interest-bearing period is a whole year (month), the interest-bearing formula is:

Interest= Principal Year (Month) Number Year (Month) Interest Rate.

If the interest-bearing period has a whole year (month) and a fractional number of days, the interest-bearing formula is:

Interest= Principal Year (Month) Number Year (Month) Interest Rate + Principal Fractional Days Daily Interest Rate.

2) Interest is calculated based on the actual number of days.

That is, 365 days per year (366 days in leap years), and then each month is the actual number of days in the Gregorian calendar for that month.

The formula for calculating interest is:: Interest = Principal Actual number of days Daily interest rate.

The formula for calculating the principal:

Principal = Interest Rate Time.