3000日息百分之0. 065是不是高利贷？ 我贷款3000元分12个月还，日利率是%0.065，请问每月...
\u65e5\u5229\u73870.065\u7b97\u9ad8\u5229\u8d37\u5417?\u65e5\u5229\u73870.065\u9ad8\u5417
\u6bcf\u6708\u7684\u5229\u606f\u662f58.5\u5143\u3002
\u9996\u5148\u65e5\u5229\u7387\u662f0.065%\uff0c\u90a3\u4e48\u6708\u5229\u7387\u5c31\u662f30\u00d70.065%=19.5\u2030\u3002\u8d37\u6b3e\u672c\u91d13000\u5143\uff0c\u520612\u4e2a\u6708\uff0c\u6708\u5229\u7387\u662f19.5\u2030\uff0c\u6839\u636e\u5229\u606f=\u672c\u91d1*\u5229\u7387\u8ba1\u7b97\uff0c\u90a3\u4e48\u6bcf\u6708\u7684\u5229\u606f=3000\u00d719.5\u2030=58.5\u3002
\u6269\u5c55\u8d44\u6599\uff1a
\u6708\u5229\u7387\u6307\u4ee5\u6708\u4e3a\u8ba1\u606f\u5468\u671f\u8ba1\u7b97\u7684\u5229\u606f\u3002\u6708\u5229\u7387\u6309\u672c\u91d1\u7684\u5343\u5206\u4e4b\u51e0\u8868\u793a\u3002
\u5e74\u5229\u7387\u4e00\u822c\u7528%\uff08\u767e\u5206\u4e4b\uff09\uff0c\u6708\u5229\u7387\u4e00\u822c\u7528\u2030\uff08\u5343\u5206\u4e4b\uff09\u8868\u793a\uff1b\u65e5\u5229\u7387\u6309\u672c\u91d1\u7684\u4e07\u5206\u4e4b\u51e0\u8868\u793a\uff0c\u901a\u5e38\u79f0\u65e5\u606f\u4e3a\u51e0\u5398\u51e0\u6beb\u3002\u5982\u65e5\u606f1\u5398\uff0c\u5373\u672c\u91d11\u5143\uff0c\u6bcf\u65e5\u5229\u606f\u662f0.001\u5143\u3002\u8ba1\u7b97\u516c\u5f0f\uff1a\u65e5\u5229\u7387\u2550\u5e74\u5229\u7387\u00f7360=\u6708\u5229\u7387\u00f730\u3002
\u5047\u8bbe\u4f60\u8d37\u6b3e100\u4e07\u5143\uff0c\u671f\u965030\u5e74\uff0c\u5e74\u5229\u7387\u4e3a7.05%\uff0c\u91c7\u7528\u7b49\u989d\u672c\u606f\u6cd5\u8fd8\u6b3e\uff0c\u7ecf\u8ba1\u7b97\uff0c\u6bcf\u6708\u7684\u6708\u8fd8\u6b3e\u989d\u4e3a6686.64\u5143\u3002\u8ba1\u7b97\u516c\u5f0f\u5982\u4e0b\uff1a
\u6708\u8fd8\u6b3e\u989d=\u672c\u91d1*\u6708\u5229\u7387*(1+\u6708\u5229\u7387)^n/[(1+\u6708\u5229\u7387)^n-1]
\u5f0f\u4e2d\uff1a\u6708\u5229\u7387=\u5e74\u5229\u7387/12\uff0cn\u8868\u793a\u8d37\u6b3e\u6708\u6570\uff0c^n\u8868\u793an\u6b21\u65b9\uff0c\u5982^360\uff0c\u8868\u793a360\u6b21\u65b9\uff08\u8d37\u6b3e30\u5e74\u3001360\u6708\uff09\u3002\u6ce8\u610f\uff1a\u8ba1\u7b97(1+\u6708\u5229\u7387)^n-1\u65f6\uff0c\u8981\u5148\u5c06\u5c0f\u62ec\u53f7\u5185\u7684\u7b97\u51fa\u6765\uff0c\u4e58\u65b9\u540e\u518d\u51cf1\u3002\u628a\u521a\u624d\u7684\u6570\u636e\u4ee3\u5165\u516c\u5f0f\uff1a
\u6708\u8fd8\u6b3e\u989d=1000000*\uff087.05%/12\uff09*(1+7.05%/12)^360/[(1+7.05%/12)^360-1]=6686.638594=6686.64\u5143\u3002
\u53c2\u8003\u8d44\u6599\u6765\u6e90\uff1a\u767e\u5ea6\u767e\u79d1-\u6708\u5229\u7387
扩展阅读：日息0.06%是多少利息 ... 1000块钱花呗利息0.05% ... 1万百分之0.5是多少钱 ... 百分之0.2相当于多少 ... 百分之0.06利息贵吗 ... 4000元0.06是多少钱 ... 3000元005利息一天多少 ... 日利息0.05%高吗 ... 日利率百分之0.065高吗 ...
