Is the monthly interest rate 4 65 high? Interest 4 65 What does it mean

The monthly interest rate is very high. It is similar to loan sharking, which is a high-risk investment.

The reasons are as follows: 1, the monthly interest rate, which means that the interest of 100 yuan a month is yuan, and 10,000 yuan is 465, and then calculated on an annual basis, the interest of a year is a, then: a = 465 x 12 = 5580, which is equivalent to an annual interest rate.

2. The annual interest rate refers to the deposit interest rate for one year. The so-called interest rate is the "interest rate."

The abbreviation refers to the ratio of the interest amount to the principal of the deposit or loan over a certain period of time. There are usually three types of interest rates: annual interest rate, monthly interest rate, and daily interest rate. The annual interest rate is expressed as a percentage of the principal, the monthly interest rate is expressed in thousandths, and the daily interest rate is expressed in thousandths.

3. In general, when the central bank.

When the money supply is expanded, the total supply of loanable funds will increase, the supply will exceed demand, and the natural interest rate will fall accordingly. Conversely, the central bank pursues a tight monetary policy.

As the money supply decreases, the supply of loanable funds exceeds the demand, and interest rates rise accordingly.

Extended information: the current situation of bank deposit interest rates in China.

In October 2019, bank fixed deposit rates continued to be sharply** and fell more than in previous months. Since 2019, the banking system has been more liquid, and market interest rates have been declining, resulting in continued interest rates on fixed deposits**.

1. Among all kinds of banks, rural commercial banks in October.

The interest rate of deposits of all maturities ranked first, and city commercial banks ranked second, and large state-owned banks.

Ranked third, joint-stock bank.

The interest rate of some term deposits of state-owned banks is not much different from that of city commercial banks, and the average interest rate of two-year deposits is even higher than that of city commercial banks.

2. The data shows that the average interest rate of 3-month time deposit is, the average interest rate of 6-month is 6-month, the average interest rate of 1-year is, the average interest rate of 2-year is, the average interest rate of 3-year is, and the average interest rate of 5-year is month-on-month.

Respectively, **, one, one, one, one, one basis point.

3. At present, the benchmark interest rates for one-year, two-year and three-year bank deposits are respectively75%, the big banks basically implement the benchmark interest rate; The interest rate on deposits of small and medium-sized banks has basically risen, and the interest rate on 3 to 5-year fixed deposits is generally around 3% to 3%.

The answer is: the monthly interest rate is high.

It is similar to loan sharking, which is a high-risk investment. Here's why:

The monthly interest rate means that the interest of 100 yuan a month is yuan, and 10,000 yuan is 465

a=465x12=5580, which is equivalent to an annual interest rate of .

The monthly interest rate is very high, and now the fixed financial management of large certificates of deposit is only about three years, you should be a closed financial management, pay attention to the choice of large bank products.

It's very high, 10,000 is 465 a month, and a year is calculated by yourself.

If the monthly interest rate means that the interest of 100 yuan a month is yuan, and 10,000 yuan is 465, and then calculate it by year, the interest of one year is a, then: a=465x12=5580, which is equivalent to the annual interest rate.

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

Under capitalism, the source of interest is the surplus value created by wage workers. The essence of interest is a special form of transformation of surplus value, which is part of the profit.

Interest is calculated according to the interest formula: interest = principal * term * interest rate. Taking 10,000 yuan as an example, interest = principal * term * interest rate = 10,000 * 1 * yuan. If you deposit 10,000 yuan for one year, you can get an interest of 145 yuan.

When a lender lends money, it delays the consumption of consumer goods. According to the principle of time preference, consumers will prefer actual goods over future goods, so positive interest rates will occur in the free market.

Annual interest rate. It means 10,000 yuan, save it for one year, and get 450 yuan in interest. It seems that it is difficult to find such a high interest rate now.

According to the conversion formula: annual interest rate.

In December, the rate of nuclear distress was buried, and the benders trembled.

So the annual interest rate, the monthly interest rate is.

The monthly interest rate is generally calculated by multiplying the annual interest rate by 12 on this basis, so the annual interest rate = monthly interest rate * 12 =.

Interest, in its form, is the remuneration that the owner of the money receives from the borrower for issuing monetary funds; On the other hand, it is the price that the borrower has to pay for the use of monetary funds. Interest is essentially a part of the profit and is a special form of transformation of the profit.

Classification of bank interest.

According to the nature of the bank's business, it can be divided into two types: bank interest receivable and bank interest payable.

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.

Extended information: annual interest rate = monthly interest rate 12 (month) = daily interest rate 360 (days); Monthly interest rate = annual interest rate 12 (month) = daily interest rate 30 (days); Daily interest rate = annual interest rate 360 (days) = monthly interest rate 30 (days).

Assuming the daily interest rate is, the monthly interest rate is and the annual interest rate is 18%.

The annual interest rate is the one-year deposit interest rate, and the general wealth management or loan platform is the annual interest rate, which is expressed in the form of a few percent.

The monthly interest rate, which is calculated according to the monthly cycle, is generally expressed in the number of thousandths.

The daily interest rate is the interest calculated according to the daily interest calculation cycle, which is generally expressed in a few ten-thousandths.

Therefore, the annual interest rate (annual interest), monthly interest rate (monthly interest), and daily interest rate (daily interest) are only calculated in different time dimensions.

For example, the benchmark expected annualized interest rate of loans with a maturity of more than 5 years refers to the expected annualized interest rate of each year, not the total expected annualized interest rate of 5 years. If not otherwise specified, it usually refers to the monthly expected annualized interest rate, and 1 cent is the monthly expected annualized interest rate of 1%, and the expected annualized interest rate for adults is 12%.

The deposit period is calculated from the date of deposit and the day before withdrawal.

Monthly interest rate = . , which has 12 months in a year.

Annual Interest Rate = Monthly Interest Rate 12=. ×12=

So the annual interest rate is:

The monthly interest rate, excluding compound interest, is the annual interest rate.