Regarding the calculation of principal and interest, what is the formula for calculating principal a

Variable cost per unit of product = 10 * 50% = 5 yuan Then there is 20,000 * (10-5) - fixed assets = 60,000, calculated fixed assets = 40,000 yuan Break-even point sales volume = 40,000 (10-5) = 8,000 pieces 1 can be implemented by increasing the unit price to implement the target profit, set the unit price to p, then 20,000 * (p-5) - 40,000 = 60,000 * (1 + 10%) The unit price is yuan, that is, the unit price is increased to yuan, and the target profit can be achieved 2. You can increase sales to meet the target profit, set the sales volume to q q*(10-5)-40000=66000, calculate q = 21200 pieces, that is, increase sales can also ensure that the target profit is achieved 3The unit variable cost can be reduced to achieve the target profit, and the unit variable cost is a 20000*(10-a)-40000=66000, and a = yuan is calculated, that is, the unit variable cost can be reduced to yuan to ensure the realization of the target profit 4By reducing the fixed cost to achieve the requirement of 20,000 * (10-5) - fixed cost = 66,000, the fixed cost = 34,000 yuan is calculated that the fixed cost can be reduced to 34,000 yuan to achieve the target profit 5.

The above methods can be combined to achieve the target profit, which requires specific analysis of specific problems.

Break-even capital = total fixed cost (sales revenue per unit of product - variable cost per unit of product) cost = 20,000 * 10-60,000 = 140,000 (yuan) Principal protection = 140,000 (10-10 * 50%) = 28,000 (pieces).

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.

Interest (annual) = principal Annual interest rate (percentage) Deposit period.

or Interest = Principal Interest Rate Time.

Principal = Interest Rate Time.

Deposit interest = principal number of days listing interest (daily interest rate) = number of interest-bearing days daily interest rate.

Interest tax = interest on deposits (amount of income tax payable) Applicable tax rate.

The amount of interest depends on three factors: the principal, the tenor, and the level of the interest rate.

The formula for calculating interest is: interest = principal x interest rate x deposit term.

According to the provisions of the State Administration of Taxation Guo Shui Han No. 2008 No. 826, the individual income tax on the interest income of savings deposits has been temporarily exempted since October 9, 2008, so the interest tax on savings deposits is temporarily exempted.

Extended Information: Conversion Formula of Daily Interest Rate to Annual Interest Rate and Monthly Interest Rate:

Daily interest rate (0 000) = annual interest rate (0 0) 360;

Monthly interest rate (0 00) = annual interest rate (0 0) 12.

Monthly interest rate = daily interest rate 30

Annual interest rate = monthly interest rate 12

Interest = Interest Accumulation Daily Interest Rate.

Formula. Formula 1: Daily interest rate = daily interest Deposit (loan) amount x 100% Formula 2: Daily interest rate = monthly interest rate 30

Formula 3: Daily Interest Rate = Annual Interest Rate 360

The formula for calculating interest: deposit interest deposit interest rate.

Principal The term of the deposit.

Extended content: 1 equal principal.

The formula for calculating is: interest in the nth month = (loan principal - accumulated amount of principal repaid) monthly interest rate.

Interest in the nth month = [Loan principal - (n-1) Loan principal Total repayment months] Monthly interest rate Repayment amount in the nth month = (Loan principal Repayment months) + interest in the nth month.

Equal principal refers to a loan repayment method, which is to divide the total amount of the loan into equal parts during the repayment period, and repay the same amount of principal and the interest generated by the remaining loan every month, so that because the monthly repayment principal amount is fixed, and the interest is getting less and less, the borrower has greater repayment pressure at first, but the monthly repayment amount is also less and less with the passage of time. Equal principal and interest.

It refers to the repayment method of a home loan, which is to repay the same amount of loan (including principal and interest) every month during the repayment period.

2. Classification of interest:

Interest calculation formula.

It is mainly divided into the following four situations:

First, the basic formula for calculating interest, the basic formula for calculating interest on savings deposits is: interest = principal tenor interest rate;

Second, the conversion of interest rates, where the annual interest rate.

The conversion relationship between the monthly interest rate and the daily interest rate is: 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), in addition, the use of interest rate should be consistent with the deposit period;

Third, the starting point of interest calculation in the interest calculation formula:

1. The starting point for calculating interest on savings deposits is RMB, and no interest is paid on the dimes below RMB;

2. The interest amount is calculated to the cent, and the centim is rounded to the centim when the actual payment is made;

3. Except for the annual settlement of current savings, which can transfer the interest to the principal to earn interest, all other kinds of savings deposits, regardless of the deposit period, will be paid off with the principal at the time of withdrawal, without compound interest;

Fourth, the calculation of the deposit period in the interest calculation formula: 1. The calculation of the deposit period adopts the method of calculating the beginning and not the end;

2. Regardless of the big month or the small month.

Weekday months and leap months are calculated as 30 days per month, and 360 days for the whole year.

3. The maturity date of all kinds of deposits is calculated on a year-to-month basis, and if the account opening date is the missing date of the maturity month, the last day of the maturity month is the maturity date.

1. The basic formula for calculating interest.

The basic formula for calculating the interest on a savings deposit is: interest, principal, tenor, and interest rate.

2. Conversion of interest rates.

The conversion relationship between the annual interest rate, the monthly interest rate, and the daily interest rate is:

Annual interest rate Monthly interest rate 12 (month) Daily interest rate 360 (day);

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) The use of interest rates should be consistent with the deposit period.

Principal = Interest Interest Rate Time, Interest = Principal * Annual Interest Rate * Deposit Period.

Interest calculation is a basic calculation method for calculating bank deposit interest, loan interest, etc.

The interest rate on savings deposits is uniformly set by the state. Interest rate, also known as interest rate, is the ratio of interest to principal within a certain date, which is generally divided into three types: annual interest rate, monthly interest rate, and daily interest rate.

Interest is the fee for the use of money for a certain period of time, and refers to the remuneration received by the holder of the currency from the borrower for lending money or monetary capital.

Interest rates can generally be divided into annual interest rates, monthly interest rates, and daily interest rates. The tax rate is the proportion or amount of tax levied according to the tax basis. The fixed nature of taxation is reflected in the tax rate.

The tax rate is the core element of the tax system and is the measure for calculating the amount of tax payable. On the premise that the basis for calculating taxes has been determined, the amount of taxes levied by the state and the level of taxpayers' burdens depend on the tax rate, and the tax policy of the state for a certain period of time is also reflected in the tax rate. Scientifically and rationally designing tax rates is the key to correctly handling the distribution relationship between the state, enterprises, and individuals, and to give full play to the role of tax regulation.

There are usually three main forms of tax rates: the first is the levy ratio stipulated in the form of relative volume, that is, the proportional tax rate and the progressive tax rate, which are applicable to ad valorem taxes; The second is a fixed levy in the form of an absolute amount, that is, a fixed tax rate (also known as a tax standard), which is applicable to the tax levied on a volume-based basis; The third is the compound tax rate, which is a tax rate that combines a fixed tax rate with a proportional tax rate. According to the tax burden, the tax rate can also be divided into nominal and effective tax rates, average tax rates and marginal tax rates.

1. The calculation formula of equal principal and interest method: monthly repayment amount = principal * monthly interest rate * [(1 + monthly interest rate) n [(1 + monthly interest rate) n-1]; where n represents the number of months of the loan, n represents the nth power, such as 240, which means the 240th power (loan for 20 years, 240 months) monthly interest rate = annual interest rate 12; Total Interest = Monthly Repayment * Number of Months Loan - Principal.

2. The calculation formula of the equal principal method: monthly repayment amount = principal n + remaining principal * monthly interest rate; Total Interest = Principal * Monthly Interest Rate * (Number of Months Loan 2+.

Buying a home loan.

1. Provident fund loans.

Advantages: The interest rate of CPF loans is lower than that of commercial loans in the same period, which can save a lot of total interest.

Disadvantages: 1) According to local policies, employees can only apply for provident fund loans after paying a certain period of provident fund.

2) The loan amount is related to the balance of the employee's provident fund account and the amount of the deposit, and there is a limit on the maximum loan amount.

3) Provident fund loans are more complicated than commercial loans in terms of loan process and procedures, and the approval time is longer.

4) There are certain restrictions on the nature of the property for the loan, which is limited to ordinary residences; 40-year and 50-year property rights and villas cannot be used for CPF loans. If you have a CPF loan that has not been paid off before, you cannot apply for a CPF loan again.

2. Commercial loans.

Advantages: 1) The loan amount is high. When buying a new house, you can take out a loan if you pay a down payment of no less than the specified down payment ratio.

2) The process and procedures are simple.

3) There is no restriction on the nature of real estate property rights, and if it is not an ordinary residence, you can also apply for a commercial loan.

4) There is no restriction on the loan object, and buyers with good credit and stable income can apply for commercial loans.

Disadvantages: High interest rate on loans, high total interest.

3. Portfolio loans.

Advantages: 1) Moderate interest. For the commercial loan part, the interest of the commercial loan is adopted; For the provident fund loan part, the interest of the provident fund loan is adopted.

2) Since it is a combination of provident fund loan and commercial loan, the loan amount is relatively high.

Disadvantages: long processing time. Because the portfolio loan involves both provident fund and commercial loans, it needs to go through two review procedures, and the commercial loan part needs to be registered after the bank can only lend other warrants, which also makes the portfolio loan longer than the pure commercial loan and pure provident fund in the processing process, resulting in a low acceptance of this loan method by many owners.

The formula for calculating principal and interest is respectively principal = interest interest rate (annual interest rate); Interest = Principal x Interest Rate (Annual Interest Rate); The annual interest rate and interest rate of the deposit must be known when calculating the principal; When calculating interest, the principal amount and annual interest rate of the deposit must be known.

To calculate interest, you need to know the principal and interest rate. Interest = Principal x Interest Rate.

Banks generally express it as a percentage of the annual interest rate.

The folk may use monthly interest, and the unit uses cents and cents.

The formula for calculating the sum of interest is: sum of principal and interest = principal + principal annual interest deposit period. The sum of principal and interest means the sum of principal and interest, interest is the remuneration obtained by the owner for lending funds, and interest = principal interest rate.

The term of the deposit, so you get the principal and interest and the formula.

The principal is proportional to the sum of principal and interestFor example, for term deposits, the interest rate is that the principal is proportional to the sum of principal and interest. For the principal and interest of 10,000 yuan and 10,000 (1+ For the principal of 20,000 yuan, the principal and interest are directly proportional to -20,000* (1+, so it is proportional.

The sum of principal and interest is the sum of principal and interest. For example, the principal is 100, the principal and interest are 105, and the storage time is 6 months, so the interest rate of 6 months is 6 months.

5 100 = 5%, then the interest rate for one year = 5% * 2 = 10% <>

Compound interest calculation formula.

It is a matter of calculating the interest regeneration interest of the previous period, which is included in the repeated calculation of interest on the principal, that is, "profit and profit" and "profit rollover". Its calculation method is mainly divided into 2 types: one is a one-time payment compound interest calculation; The other is the compound interest calculation of multiple payments in equal amounts.

The characteristic of its dissolution and merger is that the principal and interest of the excavation cover at the end of the previous period are taken as the principal of the next period, and the amount of the principal of each period is different when calculating. It is mainly used to calculate the final value of principal and interest of multiple equal investments and calculate the value of multiple equal returns.