What is the meaning of three points of interest, and what does it mean to have three points of inter

Three points of profit and seven points of profit. It is said that you must be kind, you must be honest, you must not take "profit" too seriously, and there is nothing wrong with wanting to earn more money, but "a gentleman loves money and takes it in a good way", and he can't just want to earn back all the investment at once, and such short-sighted behavior will gradually lose people's hearts.

A dollar gives interest on three cents a month, you know? If you borrow 10,000 yuan, it will be 300 yuan a month of interest.

Three-point interest refers to the monthly interest, that is, the monthly interest rate is 3% Assuming that the loan is 100,000 yuan and the term is one year.

1.For private loans, interest is calculated with simple interest. Bank deposits are the simple interest method (using this method, the principal is calculated as interest, and the interest is no longer rolled) Interest = Principal Interest Rate Term One year interest = 100,000 3% 12 = 36,000 yuan.

2.Loan shark companies, which use compound interest to calculate interest.

That is, the interest rollover (using this method, the principal must be calculated with interest, and the interest should also be calculated, that is, the interest should be rolled over. Compound interest method refers to a certain period of time (such as a year or a quarter) to add the interest generated in one period to the principal and then calculate the interest of the next period, and roll over to the end of the loan period until the expiration of an interest calculation methodIt is expressed by the formula:

Interest = Principal [(1 + Interest Rate) to the power of the term.

Thirty percent profit.

The interest rate of the loan is 3%.

The annual interest rate is generally expressed in % (percent), and the monthly interest rate is generally expressed in (thousandths); The daily interest rate is expressed in a few ten-thousandths of the principal, which is usually called a few cents per cent.

If the daily interest rate is 1%, that is, the principal is 1 yuan, and the daily interest is yuan. (1 centi= yuan, one milli = yuan).

Then the three-point profit is, that is, 3%.

The interest rate of 3% refers to 3% per month.

The interest of 100,000 yuan a day is: yuan;

The monthly interest of 100,000 yuan is: yuan;

100,000 yuan a year interest month = 36,000 yuan.

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

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

Borrowing 3 cents of interest refers to borrowing 1 yuan and paying 3 cents of interest every month. The percentage is 3% per month. $100 interest $3 per month, $10,000 $300 per month. Statutory Annual Percentage Rate.

It must not be higher than 36%, so the interest rate is legal. Private lending.

It cannot exceed the bank's lending interest rate for the same period.

4 times, more than 4 times is usury.

Excess parts will not be protected by law.

Further information: 1. Reasons for the occurrence of interest.

1. Delayed consumption.

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

2. Expected inflation.

Most economies will be inflationary, which means that a quantity of money will have fewer goods to buy in the future than it is now. Therefore, the borrower is required to compensate the lender for the losses incurred during this period.

3. Alternative investment.

Lenders have the option to put their money on other investments. Due to opportunity costs.

When a lender lends money, he or she is discarding the possible return on other investments. The borrower will need to compete with other investments for this funding.

4. Investment risk.

Borrowers are at risk of going bankrupt, absconding, or defaulting on their debts at any time, and lenders are required to collect additional money to ensure that they are still compensated in these situations.

5. Liquidity preference.

People will prefer that their funds or resources are readily available for immediate trading, rather than taking time or money to get them back. Interest rates are also a form of compensation for this.

2. Definition of interest.

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 deposit period x 100%.

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 received by the bank from the borrower for lending the 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.

Legal Analysis: 3 cents of interest on private loans, which translates into an adult interest rate of 36%. Interest that does not exceed 24% per annum is protected by law and must be paid.

The interest on the part of the interest that exceeds 24% of the annual interest rate is a natural debt and can be paid or not.

Legal basis: Several Opinions of the Supreme People's Court on the Trial of Loan Cases by the People's Courts

Article 10 The loan relationship formed by one party by means of fraud, coercion or other means, or taking advantage of the danger of others, so that the other party violates its true intentions, shall be deemed invalid.

Article 11 Where the lender clearly knows that the borrower borrows money for the purpose of carrying out illegal activities, the lending relationship shall not be protected.

Several Opinions of the Supreme People's Court on the Trial of Loan Cases by the People's Courts》 Article 6: The interest rate on private loans may be appropriately higher than the interest rate of banks, and the people's courts in each region may specifically grasp it on the basis of the actual situation in their respective regions, but the maximum shall not exceed four times the interest rate of the same type of bank loans (including the interest rate itself). If this limit is exceeded, the interest on the excess part shall not be protected.

3 cents of interest refers to the monthly interest, that is, the monthly interest rate is 3%, assuming that the loan is 100,000 yuan, the term is one year, and the private loan is calculated with simple interest.

Bank deposits are the simple interest method (using this method, the principal is calculated as interest, and the interest is no longer rolled over) interest = principal interest rate period; One-year interest = 100,000 3% 12 = 36,000 yuan.

Dear, I'm glad to answer your <>

The interest is divided into three points of annual interest, three points of monthly interest, and three points of daily interest. 1. Three points of annual interest: if the annual interest rate is 30%, the interest of a 10,000 yuan loan is 10,000 * 30% * 1 12 = 250 yuan.

2. Three points of monthly interest: if the monthly interest rate is 3%, the annual interest rate is 3%*12=36%, and the interest of a 10,000 yuan loan is 10,000*36%*1 12=300 yuan. But the annual interest rate is too high, involves usury, and is not protected by law.

3. Three points of daily interest: the daily interest rate is 3%, which is too high and does not conform to the actual situation. [We-based Youxiao] <>

3 cents of interest refers to the monthly interest, that is, the monthly interest rate is 3%, assuming that the loan is 100,000 yuan, the term is one year, and the interest is calculated with simple interest for private loans.

Bank deposits are the simple interest method (using this method, the principal is calculated as interest, and the interest is no longer rolled over) interest = principal interest rate period; One-year interest = 100,000 3% 12 = 36,000 yuan.

The monthly interest rate of 3 cents is 3% per month.

3 cents if it is used as an annual interest, it is low; But if it is used as a monthly interest, it is quite high, that is, the annual interest rate reaches 3% * 12 = 36%, which is usually called usury.

According to 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, it is stipulated that:

Where the interest rate agreed upon by 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. If the interest rate agreed between the borrower and the borrower exceeds 36% per annum, the interest agreement on the excess part shall be invalid. Where the borrower requests the lender to return the interest paid in excess of 36% of the annual interest rate, the people's court shall support it.

The interest on a dollar for a specified period of time is 3 cents. For example, if you borrow 10,000 yuan with an annual interest rate of 3 cents, then you will have to repay 10,300 yuan after a year; If the monthly interest rate is 3 cents, calculated according to simple interest (that is, the interest of the current period does not generate interest in the next period), then after a year, you will repay 13,600 yuan, calculated according to compound interest (that is, the folk call the interest rollover interest), then the calculation is 10,000 times (1 + 3%) to the 12th power.

It is a dollar to give three points of interest, which is 3 percent

Three-point profit refers to the phenomenon that the benefits that should be jointly owned or shared by multiple people are tilted towards one of them, so that that person can obtain the vast majority of the benefits of the Linglun, while others can only obtain little or no benefits. In fact, the three-point profit is a practice that is full of danger and profits, which is not only not conducive to the construction of a harmonious society, but also intensifies social contradictions and destroys good interpersonal relationships.

In business, the classic example of a three-part benefit is when a party to a contract is only interested in obtaining the maximum benefit from its own negotiation, without considering whether the other party can obtain a reasonable benefit. In this case, one party will receive a relatively low return and will not be able to keep even the collateral, while the more aggressive party will receive excess profits. In politics, those in power can control the vast majority of state resources and political power through a three-way profit, while ordinary people or groups lose the balance of power and voice.

However, tripartite profits are not only unethical, but also potentially risky. Three-point benefits can greatly threaten social justice and interpersonal harmony, leading to social unrest, bullying, and mistrust. In business, a three-point profit can undermine trust between companies and the business ecosystem, causing irreversible damage.

Politically, the tripartite profit may lead to civil discontent and group struggle, leading to a vicious circle in society.

Therefore, we need to move away from a three-point mindset while building and maintaining fair business and social relationships. Only in this way can we create a social and business environment full of opportunities and democracy. We should educate all people to value justice and morality, to use their creativity and wisdom, to live in harmony with others, and to respect and support each other, rather than pursuing their own short-term personal interests.