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Anonymous users2024-02-11The maximum interest rate of the bank is the annual interest rate.
What is Interest?
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 (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.
1. Money other than the principal obtained from deposits and loans (different from 'principal').
2. Interest (interest) abstractly refers to the value-added amount brought by the injection and return of monetary funds to the real economic sector. 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
Interest formula: interest (annual) = principal annual interest rate (percentage) deposit period.
or interest = 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.
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.
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Anonymous users2024-02-101. Loan interest rate.
1) The loan interest rate is related to the purpose of the loan, the nature of the loan, the term of the loan, the loan policy, and different lending banks. The state sets the benchmark interest rate, and each bank determines the differential lending interest rate according to various factors, that is, it rises or falls on the basis of the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on July 7, 2011, and the types and annual interest rates are as follows:
Short-term loan for six months (inclusive);Six months to one year inclusive;1 to 3 years inclusive;Three to five years inclusive;More than five years.
2) Housing loan as an example: the bank loan interest rate is based on the credit situation of the loan and other comprehensive evaluation, according to the credit situation, collateral, national policy (whether the first home) and so on to determine the loan interest rate level, if all aspects of the evaluation is good, different banks implement the mortgage interest rate is different, in 2011 due to the shortage of funds and other reasons, some banks first home loan interest rate to implement the benchmark interest rate times or times. Since February 2012, most banks have adjusted their interest rates for first homes to their benchmark rates.
In early April, large state-owned banks began to implement preferential interest rates for first home loans. The maximum discount of interest rate of some banks can be up to 85%. The interest rate after 85% discount for more than five years is .
2. Deposit interest rate.
The current deposit rate was adjusted and implemented on July 7, 2011.
1. Deposits of urban and rural residents and units.
a) Current. b) Periodic 1Whole deposit and whole withdrawal.
Three months and half a year.
One year and two years. Three years and five years.
2.Fractional deposit and withdrawal, lump sum deposit and withdrawal, principal deposit and interest.
One year and three years. 5 years 3Fixed two pence: 6% discount at the interest rate of the same grade according to the regular lump sum deposit within one year.
2. Agreement deposits.
3. Call Deposit
Seven days a day.
Bank interest is calculated according to the interest rate, according to the current central bank's deposit interest rate, the benchmark interest rate of major banks is stipulated as follows: current three months, half a year, one year, two years, three years, five years.
1. At present, the maximum deposit interest of the bank is that the fixed deposit is required for more than five years (including five years). >>>More
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Bank Deposit Interest = Principal Interest Rate Term.
For example, an investor deposits 100,000 yuan in the bank with a term of 3 years, interest rate, maturity deposit interest rate = 10 3 = 10,500 yuan. It should be noted that some fixed deposits and large deposits will be withdrawn before maturity, and the interest will be calculated according to the listed interest rate of the current deposit of the bank on the date of withdrawal, which will cause a loss of part of the interest income. >>>More