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Is it that simple as you ask? Is it a monthly interest rate, if it is the annual interest rate.
Plausible. The monthly interest is directly multiplied, that is, the amount of money is multiplied.
monthly interest).
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66930 yuan. Bank deposits.
Generally, it is calculated with simple interest, with interest of 60,000 * and principal of 60,000, totaling 66,930 yuan.
1. What is the interest rate?
The interest rate is the "interest rate."
refers to the ratio of the interest amount to the principal of the deposit or loan for a certain period of time. Interest rates are usually divided into annual percentage rates.
There are three types of interest rates: monthly interest rate and daily interest rate.
The annual interest rate is the interest rate calculated on a one-year cycle, which is generally expressed in a few percent (%), such as five percent or 5%.
The monthly interest rate, which is calculated according to a month-long cycle, is generally expressed in thousandths ( ), such as 10 thousandths and 10 thousandths.
The daily interest rate is the interest rate calculated according to the daily interest calculation cycle, which is generally expressed in a few ten-thousandths ( ), such as three ten-thousandths, 3.
Note that in order to facilitate the calculation and data comparison, this calculator uses a few percent (%) for the units of annual interest rate, monthly interest rate and daily interest rate
2. Conversion formula for annual interest rate, monthly interest rate and daily interest rate:
Annual Interest Rate = Monthly Interest Rate 12 (Month) = Daily Interest Rate 360 (Days).
Monthly Interest Rate = Annual Interest Rate 12 (Months) = Daily Interest Rate 30 (Days).
Daily interest rate = annual interest rate 360 (days) = monthly interest rate 30 (days).
3. Why is a year converted to 360 days and a month to 30 days?
The detailed reason is not much, that is, the state stipulates that China determines the annual interest rate data according to the multiple of 9, and the annual interest rate is converted into a daily interest rate divided by 360, which can be exhausted. **Bank.
Or commercial banks have taken into account the conversion relationship between annual interest rates, monthly interest rates and daily interest rates when determining the interest rate level.
4. The formula for calculating interest.
First, the basic formula for calculating interest, the interest on savings deposits, is calculated as follows: interest = principal deposit interest rate;
Second, the conversion of interest rates, in which the conversion relationship between annual interest rate, monthly interest rate and daily interest rate is: annual interest rate = monthly interest rate 12 (month) = daily interest rate 360 (days); Monthly Interest Rate = Annual Interest Rate 12 (Months) = 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 interest calculation formula.
the starting point of interest accrual; The starting point for calculating interest on savings deposits is yuan, and the dimes below yuan.
No interest is accrued; The interest amount is rounded to the nearest cent, and the actual payment will be rounded to the nearest cent; Except for the annual settlement of current savings, which can transfer interest to the principal to earn interest, all other types of savings deposits, regardless of the deposit period, will be repaid with the principal at the time of withdrawal, without compound interest.
Fourth, the calculation of the deposit period in the interest calculation formula; The method of calculating the deposit period is adopted; Regardless of the big moon or the small month.
Weekday months and leap months are calculated as 30 days per month, and 360 days for the whole year; The maturity date of all kinds of deposits is calculated on a year-to-month-to-date basis, and if the account opening date is a missing date in the maturity month, the last day of the maturity month is the maturity date.
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Here it should be stated that the repayment period and repayment method should be stated;
Suppose the repayment period is 3 years, i.e. 36 installments.
Let's say it's an "equal principal and interest" repayment method.
Annual interest rate = , monthly interest rate = annual interest rate 12=
Formula] Monthly repayment amount = loan amount * monthly interest rate [1 - (1 + monthly interest rate) - number of months of repayment] monthly repayment amount = 60,000*
Monthly repayment amount = 1, RMB.
Total repayment = 63, RMB.
Interest refers to the total amount of the world = 3, yuan.
Results:
Under the assumption that the loan is repaid 1,000 yuan per month; Total repayment = 63, RMB. The total amount of interest is 3, yuan.
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Summary. $16,000 interest rate for six months.
Hello dear, I hope the following can help you <>
The six-month interest rate of the mill family is 320 yuan, and the interest rate <>is 320 yuan
Happy blind nuclear cheating]. The calculation formula is: 16000*<><
The extension to you is as follows: Interest is the fee for the use of money for a certain period of time, and refers to the reward that the holder of the currency receives from the borrower for lending money or money capital. The essence of interest is a special form of transformation of surplus value, which is part of the profit.
Shoot your heart in a mess].
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10,000 yuan is calculated at an annual interest rate, and the interest for one year is 635 yuan, so the interest for one month is yuan. Sixty thousand and one Wu is returning to the year is 3810A month is.
Formula: 1Interest = Principal * Interest Rate * Number of Interest-bearing Periods.
2. i = p * i * n
3.The interest rate (cavity i) is usually given as the annual interest rate, the monthly interest rate, and the daily interest rate should be converted.
4.Monthly Interest Rate = Annual Interest Rate 12 (months).
5.Daily interest rate = annual interest rate 360 (days) = monthly interest rate 30 (days).
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Multiply 60,000 by 810, and divide 810 by 2 to equal 405. So the interest of 60,000 yuan in your question is 405 yuan in half a year.
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Hello dear interest, 60,000 yuan a month is 2430 interest Time deposit is also known as "certificate of deposit". The bank and the depositor agree on the term and interest rate in advance at the time of deposit, and withdraw the principal and interest after maturity. Some CDs can be sold in the market before maturity when the depositor needs funds; Some certificates of deposit are non-transferable and require the depositor to pay a fee to the bank if he or she chooses to withdraw funds from the bank before maturity.
Cash and current savings deposits can be directly applied for fixed savings deposits, and the minimum deposit amount for regular account opening is 50 yuan, and there is no limit to more deposits. Fixed deposits are held for 3 months, 6 months, 1 year, 2 years, 3 years and 5 years. You can withdraw part of the deposit in advance once, and when the deposit expires, you can withdraw the principal and interest with the certificate of deposit, or you can automatically transfer it multiple times according to the original deposit period.
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Summary. The interest of the solution is $ per day. Workaround:
First of all, to calculate the daily interest, you need to know the principal and interest rate, the principal is 60,000 yuan, and the interest rate is, the daily interest = principal Interest rate 365, that is, the daily interest = 60,000 yuan. In addition, it is also necessary to understand the formula for calculating interest, interest = principal interest rate period, where the term can be days, months, or years, and the interest rate can also be a daily interest rate, monthly interest rate, or annual interest rate, and the calculation formula will be different depending on the situation.
The interest of the solution is $ per day. Solution: First of all, to calculate the daily interest, you need to know the principal and interest rate, the principal is 60,000 yuan, the interest rate is, the daily interest = the principal Interest rate 365, that is, the daily interest = 60,000 yuan.
In addition, it is also necessary to understand the formula for calculating interest, interest = principal interest rate term, where the term can be the number of days, months or years, and the interest rate can also be the daily interest rate, the monthly interest rate or the annual interest rate, and the calculation formula will be different depending on the situation of not touching the alley.
I'm still a little confused, can you be more detailed?
To solve this problem, we can divide the interest by 60,000 yuan first, and get that the daily interest is yuan. That is to say, the daily interest is yuan, that is, milliyuan. Regarding interest, we can briefly understand that interest refers to the fees paid by the borrower to the borrower on time according to the agreed interest rate and in a certain calculation method during the loan period.
Interest is a fee paid by the borrower to the borrower and is the remuneration received by the borrower. There are many ways to calculate the interest of Piqi, such as the monthly equal principal and interest method, the monthly equal principal method, and the monthly interest payment and repayment method at maturity. In short, the daily interest is yuan, that is, milliyuan.
It's a small number, but if you add it up, you'll find its value. Therefore, when borrowing, we should pay attention to the way the interest is calculated and the interest of each instalment, so as to avoid unnecessary losses.
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