银行贷款1000万一个月利息是多少？怎么算 上浮10%、20%是多少 银行贷款利率上浮20%怎么计算？
\u94f6\u884c\u8d37\u6b3e30\u4e0720\u5e74\u5229\u606f\u662f\u591a\u5c11\uff1f\u82e5\u8d37\u6b3e\u672c\u91d1\uff1a30\u4e07\uff0c\u671f\u9650\uff1a20\u5e74\uff0c\u6309\u7167\u4eba\u884c5\u5e74\u671f\u4ee5\u4e0a\u8d37\u6b3e\u57fa\u51c6\u5e74\u5229\u7387\uff1a4.90%\uff08\u4e0d\u53d8\u7684\u60c5\u51b5\u4e0b\uff09\u91c7\u7528\u7b49\u989d\u672c\u606f\u8fd8\u6b3e\u6cd5\uff0c\u6708\u4f9b\uff1a1963.33\uff0c\u8fd8\u6b3e\u603b\u989d\uff1a471199.72\uff0c\u5229\u606f\u603b\u989d\uff1a171199.72\uff0c\u91c7\u7528\u7b49\u989d\u672c\u91d1\u8fd8\u6b3e\u6cd5\uff0c\u6708\u4f9b\u662f\u9010\u7b14\u9012\u51cf\u7684\uff0c\u5982\u7b2c\u4e00\u671f\uff1a2475\uff0c\u968f\u540e\u6bcf\u671f\u9010\u7b14\u9012\u51cf\u91d1\u989d\uff1a5.1\uff0c\u8fd8\u6b3e\u603b\u989d\uff1a447612.5\uff0c\u5229\u606f\u603b\u989d\uff1a147612.5\u3002
\u5e74\u6700\u65b0\u592e\u884c\u8d37\u6b3e\u57fa\u51c6\u5229\u7387\u5982\u4e0b\uff1a
\u516d\u4e2a\u6708\u4ee5\u5185\uff08\u542b6\u4e2a\u6708\uff09\u8d37\u6b3e 5.60
\u516d\u4e2a\u6708\u81f31\u5e74\uff08\u542b1\u5e74\uff09\u8d37\u6b3e 6.00
\u4e00\u81f3\u4e09\u5e74\uff08\u542b3\u5e74\uff09\u8d37\u6b3e 6.15
\u4e09\u81f3\u4e94\u5e74\uff08\u542b5\u5e74\uff09\u8d37\u6b3e 6.40
\u4e94\u5e74\u4ee5\u4e0a\u8d37\u6b3e 6.55
\u76ee\u524d\u4eba\u6c11\u94f6\u884c\u89c4\u5b9a\u76841\u5e74\u671f\u8d37\u6b3e\u5229\u7387\u4e3a6%,\u4f46\u5404\u94f6\u884c\u6267\u884c\u7684\u4e0d\u5b8c\u5168\u4e00\u6837,\u53ef\u4e0a\u4e0b\u6709\u4e9b\u6d6e\u52a8\u3002
\u4ee5\u5de5\u5546\u94f6\u884c\u4e3a\u4f8b\uff1a2012\u5e747\u67086\u65e5\u5de5\u5546\u94f6\u884c1\u5e74\u671f\u8d37\u6b3e\u5229\u7387\u4e3a\uff1a6%
1\u3001\u5982\u679c\u662f\u6309\u5e74\u8fd8\u8d37\u6b3e\u94f6\u884c\u8d37\u6b3e\u5229\u606f\u8ba1\u7b97\u516c\u5f0f\uff1a \u5229\u606f=\u672c\u91d1\u00d7\u5229\u7387\u00d7\u8d37\u6b3e\u671f\u9650 \u8d37\u6b3e1\u5e74\u94f6\u884c\u8d37\u6b3e\u5229\u606f=10000\u00d76%\u00d71=600\uff08\u6ce8\u610f\uff1a\u592e\u884c\u516c\u5e03\u7684\u5229\u7387\u90fd\u662f\u5e74\u5316\u5229\u7387\uff0c\u662f\u4ee5\u5e74\u4e3a\u5355\u4f4d\u7684\uff09
2\u3001\u5982\u679c\u662f\u6309\u6708\u8fd8\u8d37\u6b3e \u5982\u679c\u662f\u6309\u6708\u8fd8\u8d37\u6b3e\u67092\u79cd\u8fd8\u6b3e\u65b9\u5f0f\uff1a\u4e00\u79cd\u662f\u7b49\u989d\u672c\u606f\u3001\u53e6\u4e00\u79cd\u662f\u7b49\u989d\u672c\u91d1\u8fd8\u6b3e\uff0c\u9009\u62e9\u4e0d\u540c\u7684\u8fd8\u6b3e\u65b9\u5f0f\uff0c\u6240\u4ea7\u751f\u7684\u5229\u606f\u4e0d\u540c\uff01
\u7b49\u989d\u672c\u606f\u8ba1\u7b97\u516c\u5f0f\uff1a\u3014\u8d37\u6b3e\u672c\u91d1\u00d7\u6708\u5229\u7387\u00d7\uff081\uff0b\u6708\u5229\u7387\uff09\uff3e\u8fd8\u6b3e\u6708\u6570\u3015\u00f7\u3014\uff081\uff0b\u6708\u5229\u7387\uff09\uff3e\u8fd8\u6b3e\u6708\u6570\uff0d1\u3015
\u7b49\u989d\u672c\u91d1\u8ba1\u7b97\u516c\u5f0f\uff1a\u6bcf\u6708\u8fd8\u6b3e\u91d1\u989d = \uff08\u8d37\u6b3e\u672c\u91d1 \u00f7 \u8fd8\u6b3e\u6708\u6570\uff09+\uff08\u672c\u91d1 \u2014 \u5df2\u5f52\u8fd8\u672c\u91d1\u7d2f\u8ba1\u989d\uff09\u00d7\u6bcf\u6708\u5229\u7387\uff08\u5176\u4e2d\uff3e\u7b26\u53f7\u8868\u793a\u4e58\u65b9\uff09
\u94f6\u884c\u8d37\u6b3e1\u4e07\u6bcf\u6708\u8fd8\u591a\u5c11\u94b1\u5229\u606f\uff1f1\u4e07\u5143\u672c\u91d1\u5728\u94f6\u884c\u8d37\u6b3e1\u5e74\uff0c\u6309\u6708\u8fd8\u6b3e\uff0c\u57fa\u51c6\u5229\u7387\u662f6\uff05\uff0c\u4ee5\u4e0b\u4e24\u79cd\u8d37\u6b3e\u65b9\u5f0f\u7684\u8d37\u6b3e\u6bcf\u6708\u5229\u606f\u5982\u4e0b\uff1a
\u7b49\u989d\u672c\u606f\u8fd8\u6b3e\u6cd5\uff1a
\u5408\u8ba1\u5229\u606f\uff1a327.97\u5143
\u5408\u8ba1\u8fd8\u6b3e\uff1a10327.97
\u6708\u8fd8\u6b3e\u672c\u606f\uff1a860.66
\u7b49\u989d\u672c\u91d1\u8fd8\u6b3e\u6cd5 \uff1a
\u5408\u8ba1\u5229\u606f\uff1a325.00\u5143
\u5408\u8ba1\u8fd8\u6b3e\uff1a10325.00\u5143
\u6708\u8fd8\u6b3e\u672c\u606f=883.33\u5143
\u94f6\u884c\u4fe1\u606f\u6e2f\u53cb\u60c5\u63d0\u9192\uff1a\u76ee\u524d\u56fd\u5185\u5927\u90e8\u5206\u94f6\u884c\u8d37\u6b3e\u5229\u7387\u90fd\u662f\u6d6e\u52a8\u7684\uff0c\u5404\u4e2a\u5546\u4e1a\u94f6\u884c\u6267\u884c\u7684\u8d37\u6b3e\u5229\u7387\uff0c\u53ef\u4ee5\u6839\u636e\u501f\u6b3e\u4eba\u7684\u5b9e\u9645\u60c5\u51b5\u5728\u592e\u884c\u5141\u8bb8\u7684\u6d6e\u52a8\u8303\u56f4\u5185\u5728\u57fa\u51c6\u5229\u7387\u7684\u57fa\u7840\u4e0a\u8fdb\u884c\u6d6e\u52a8\uff0c\u6240\u4ee5\u5404\u5bb6\u94f6\u884c\u6bcf\u4e2a\u6863\u671f\u5177\u4f53\u8d37\u6b3e\u5229\u7387\u4e0d\u5b8c\u5168\u4e00\u6837\u3002
\u5177\u4f53\u94f6\u884c\u8d37\u6b3e\u5229\u7387\u4ee5\u5f53\u5730\u94f6\u884c\u516c\u5e03\u4e3a\u51c6\uff0c\u5148\u77e5\u9053\u4f60\u6240\u5728\u94f6\u884c\u6267\u884c\u7684\u5177\u4f53\u94f6\u884c\u8d37\u6b3e\u5229\u7387\uff0c\u518d\u5229\u7528\u4e0a\u8ff0\u94f6\u884c\u8d37\u6b3e\u5229\u606f\u8ba1\u7b97\u516c\u5f0f\u53ef\u4ee5\u5f97\u51fa\u94f6\u884c\u8d37\u6b3e\u5229\u606f\u8981\u591a\u5c11\u94b1\u4e86\uff01
\u94f6\u884c\u8d37\u6b3e\u5229\u7387\u4e0a\u6d6e20%\uff0c\u8ba1\u7b97\u5982\u4e0b\uff1a
\u5546\u4e1a\u94f6\u884c\u8d37\u6b3e\u57fa\u51c6\u5229\u7387\u662f5.4%\uff0c\u4e0a\u6d6e20%\u5219\uff0c5.4%\u00d71.2=6.48%
\u8d44\u6599\u62d3\u5c55\uff1a
\u4e00\u3001\u8d37\u6b3e\u5229\u7387\u662f\u94f6\u884c\u7b49\u91d1\u878d\u673a\u6784\u53d1\u653e\u8d37\u6b3e\u65f6\u4ece\u501f\u6b3e\u4eba\u5904\u6536\u53d6\u7684\u5229\u7387\u3002\u5927\u81f4\u4e3a\u4e09\u7c7b\uff1a
\u4e2d\u592e\u94f6\u884c\u5bf9\u5546\u4e1a\u94f6\u884c\u7684\u8d37\u6b3e\u5229\u7387; \u5546\u4e1a\u94f6\u884c\u5bf9\u5ba2\u6237\u7684\u8d37\u6b3e\u5229\u7387; \u540c\u4e1a\u62c6\u501f\u5229\u7387\u3002
\u94f6\u884c\u8d37\u6b3e\u5229\u606f\u7684\u786e\u5b9a\u56e0\u7d20\u6709\uff1a
\u2460\u94f6\u884c\u6210\u672c\u3002\u4efb\u4f55\u7ecf\u6d4e\u6d3b\u52a8\u90fd\u8981\u8fdb\u884c\u6210\u672c\u2014\u6536\u76ca\u6bd4\u8f83\u3002\u94f6\u884c\u6210\u672c\u6709\u4e24\u7c7b\uff1a \u501f\u5165\u6210\u672c\u2014\u501f\u5165\u8d44\u91d1\u9884\u4ed8\u606f; \u8ffd\u52a0\u6210\u672c\u2014\u6b63\u5e38\u4e1a\u52a1\u6240\u8017\u8d39\u7528\u3002
\u2461\u5e73\u5747\u5229\u6da6\u7387\u3002\u5229\u606f\u662f\u5229\u6da6\u7684\u518d\u5206\u5272\uff0c\u5229\u606f\u5fc5\u987b\u5c0f\u4e8e\u5229\u6da6\u7387\uff0c\u5e73\u5747\u5229\u6da6\u7387\u662f\u5229\u606f\u7684\u6700\u9ad8\u754c\u9650\u3002
\u2462\u501f\u8d37\u8d27\u5e01\u8d44\u91d1\u4f9b\u6c42\u72b6\u51b5\u3002\u4f9b\u5927\u4e8e\u6c42\uff0c\u8d37\u6b3e\u5229\u7387\u5fc5\u7136\u4e0b\u964d\uff0c\u53cd\u4e4b\u4ea6\u7136\u3002\u53e6\u5916\uff0c\u8d37\u6b3e\u5229\u7387\u8fd8\u987b\u8003\u8651\u7269\u4ef7\u53d8\u52a8\u56e0\u7d20\u3001\u6709\u4ef7\u8bc1\u5238\u6536\u76ca\u56e0\u7d20\u3001\u653f\u6cbb\u56e0\u7d20\u7b49\u3002\u4e0d\u8fc7\uff0c\u6709\u7684\u5b66\u8005\u8ba4\u4e3a\u5229\u606f\u7387\u7684\u6700\u9ad8\u754c\u9650\u5e94\u662f\u8d44\u91d1\u7684\u8fb9\u9645\u6536\u76ca\u7387\u3002\u5c06\u7ea6\u675f\u5229\u606f\u7387\u7684\u56e0\u7d20\u770b\u6210\u4f01\u4e1a\u501f\u5165\u94f6\u884c\u8d37\u6b3e\u540e\u7684\u5229\u6da6\u589e\u52a0\u989d\u4e0e\u501f\u6b3e\u91cf\u7684\u6bd4\u7387\u540c\u8d37\u6b3e\u5229\u7387\u95f4\u6bd4\u8f83\u3002\u53ea\u8981\u524d\u8005\u4e0d\u5c0f\u4e8e\u540e\u8005\uff0c\u4f01\u4e1a\u5c31\u53ef\u80fd\u5411\u94f6\u884c\u8d37\u6b3e\u3002
\u4e8c\u3001\u5229\u606f\u5982\u4f55\u8ba1\u7b97\uff1a
\u5b58\u6b3e\u5229\u606f=\u672c\u91d1*\u5229\u7387*\u671f\u9650 (\u6ce8\u610f\uff0c\u592e\u884c\u516c\u5e03\u7684\u5229\u7387\u90fd\u662f\u4ee5\u5e74\u4e3a\u57fa\u51c6\u7684\uff0c\u5982\u679c\u662f\u5b58\u534a\u5e74\u6216\u6d3b\u671f\uff0c\u8981\u8f6c\u5316\u4e3a\u6708\u5229\u7387\u4e0e\u65e5\u5229\u7387)
\u8d37\u6b3e\u5229\u606f\u7684\u8ba1\u7b97\u6bd4\u8f83\u590d\u6742\uff1a\u671f\u6ee1\u4e00\u6b21\u6027\u8fd8\u6e05\u7684\uff0c\u540c\u4e0a\u9762\u7684\u5b58\u6b3e\u5229\u606f\u7684\u8ba1\u7b97\u3002
\u6309\u63ed\u8d37\u6b3e\u5229\u606f\u7684\u8ba1\u7b97\uff0c\u662f\u7528\u5e74\u91d1\u516c\u5f0f\u6765\u7b97\u6708\u4f9b\u7684\uff0c\u6309\u63ed\u6708\u4f9b\u7684\u8ba1\u7b97\u516c\u5f0f
A=P{i(1+i)^n/[(1+i)^n\uff0d1]}
\u8d44\u6599\u53c2\u8003\uff1a\u8d37\u6b3e\u5229\u7387-\u767e\u5ea6\u767e\u79d1
基准利率7。07%，月息58916.67W
一个波动的利率~最高利息20%'~~最低10%~
绛旓細涓鍗冧竾浜斿帢鍒╂伅鏄500,000鍏冦傛牴鎹鐩腑鐨勪俊鎭紝鎴戜滑鍙互寰楀嚭浠ヤ笅缁撹锛1. 涓鍗冧竾琛ㄧず1000涓囧厓銆2. 鍒╂伅鐜囦负浜斿帢锛屽嵆0.05銆傛牴鎹埄鎭绠楀叕寮忥細鍒╂伅 = 鏈噾 脳 鍒╃巼锛屾垜浠彲浠ヨ绠楀嚭鍒╂伅涓1000涓囧厓 脳 0.05 = 500,000鍏冦傚洜姝わ紝涓鍗冧竾浜斿帢鐨勫埄鎭负500,000鍏冦傛荤粨锛氭牴鎹粰瀹氱殑鏈噾鍜屽埄鐜囷紝鎴戜滑鍙...
绛旓細5鍘樺埄鎭捶娆句竴涓囩殑璇濓紝涓涓湀鍒╂伅鏄灏戯紵浜斿帢鍒╂伅灏辨槸鐧惧垎涔嬮浂鐐逛簲10000鍏冧竴涓湀5鍘樺埄鎭氨鏄10000涔樹互0.5%锛10000*0.5%=50鍏冨埄鎭竴鑸繕鏈変竴鍒嗗埄淇╁垎鍒╋紝楂樹簬淇╁垎鍒╁氨灞炰簬楂樺埄璐蜂簡锛岄珮鍒╄捶鏄睘浜庤繚娉曠殑锛屽競鍦轰笂鐨勫灚璧勫叕鍙稿氨鏄睘浜庨珮鍒╄捶琛屼笟銆100涓囦竴涓湀淇╁垎鍒╁氨鏄20000鍏1000000*2%=20000鍏 鍒╂伅...
绛旓細鏈堝埄鎭杈惧崄涓囧乏鍙炽傝繖瑕佺湅鏈鍚閾惰缁欎綘浠涔堟牱鐨勫埄鐜囥
绛旓細1000涓囧厓涓骞鍒╂伅鏄60涓囧厓 鎸夌幇琛屼汉姘閾惰鍏竷涓骞存湡娴佽捶鍩哄噯鍒╃巼6%璁＄畻,1000涓囧厓涓骞村埄鎭槸60涓囧厓銆備絾鐜板湪鍐滀笟閾惰閮芥墽琛屽埄鐜囦笂娴,骞呭害鍦0-30%涔嬮棿,渚濇璁＄畻,濡傛灉涓婃诞30%,鍒欏湪60涓囧厓鍩虹涓婂啀鍔30%,鍗78涓囧厓銆傚笇鏈涜兘甯埌浣! 浜屻佽皟鏁村嚟璇佹憳瑕佹庝箞鍐? 闂涓:浼氳璁拌处鍑瘉鎽樿鎬庝箞鍐?鍒氬垰鍙傚姞浼佷笟浼氳鍦充唬鐞嗚璐︿笟鍔...
绛旓細閭ｆ偍瑕佺湅鎮ㄨ捶鐨勬槸澶氶暱鏃堕棿鐨璐锋浜嗭紝濡傛灉鏄6涓湀涔嬪唴鐨勬槸6.1%骞村埄鐜锛屽鏋滄槸12鏈堝唴鐨勬槸6.56%骞村埄鐜囷紝涓婃诞澶氬皯灏卞線涓婁箻澶氬皯銆
绛旓細棰樹富鏄惁鎯宠闂滅敇鑲閾惰璐锋1000涓涓骞寸殑鍒╂伅澶氬皯鈥濓紵510000鍏冦傛牴鎹煡璇㈢敇鑲冮摱琛岀殑瀹樼綉鍙煡锛屽湪璇ラ摱琛岃捶娆1000涓囩殑骞村埄鐜囨槸5.1%锛屽勾鍒╂伅绛変簬鏈噾涔樹互鍒╃巼涔樹互骞撮檺锛屼篃灏辨槸1000涓囦箻浠5.1%鍐嶄箻浠1锛屾渶缁堢瓑浜510000鍏冦
绛旓細1.甯歌绠楁硶:10000*4.35%=435鍏,涔熷氨鏄閾惰璐锋1涓涓骞鍒╂伅涓435鍏冦備絾鐢变簬閾惰閫氬父鏄牴鎹繕娆炬柟寮忚绠楀埄鎭,鍥犳浠ヤ笅涓ょ鏂规硶璁＄畻鍑虹殑鍒╂伅鏇村噯纭 2.绛夐鏈伅杩樻:姣忔湀鏈堜緵853.10鍏,杩樻鎬婚涓10237.19鍏,鍒╂伅鎬婚涓237.19銆 3.绛夐鏈噾杩樻:绗涓涓湀鏈堜緵869.58鍏,姣忔湀閫掑噺3.02鍏,杩樻鎬婚涓10235.63鍏,鍒╂伅鎬婚涓235....
绛旓細鍑忓幓鏈噾1000涓囷紝鍒╂伅灏辨槸213.06083涓囧厓锛屽洜涓閾惰涓鑸兘浠ュ鍒╄绠椼傝鐪嬩綘鐨骞村埄鐜囨槸澶氬皯浜嗐傚鏋滃勾鍒╃巼鏄6.65%锛岋紝1000涓1骞寸殑鍒╂伅鏄锛665000鍏
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绛旓細鏈夊埄鎭殑璇濆燂細鐭湡鍊熸 搴斾粯鍒╂伅 鎴 璐㈠姟璐规倝鏃忕敤 璁℃彁鐨勫埄鎭垨瀹炰粯鍒╂伅璐锛閾惰瀛樻鍚戦摱琛屽熷叆涓3涓湀鏈熼檺鐨勪复鏃跺熸锛屾棰樻槸姹傜粡娴庝笟鍔＄殑绉戠洰鍙婃墍灞炰細璁¤绱犮傞摱琛屽瓨娆俱佽祫浜х被璐︽埛鍙婄煭鏈熷熸銆佽礋鍊虹被璐︽埛銆傛棰樻槸璧勪骇鍜岃礋鍊哄悓鏃跺鍔狅紝鍒嗗綍涓猴紝鍊燂細閾惰瀛樻 锛堣祫浜х被绉戠洰鍊熸柟鏍哥畻澧炲姞锛 璐凤細鐭湡...
