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# 【速搜问答】年化利率是什么

9个月前 (03-13) 164次浏览

Chinese-English Translation:

Annualized interest rate refers to the interest rate discounted to the whole year through the inherent rate of return of the product. It refers to the ratio of interest amount to deposit principal or loan principal within a certain period, and then converted into one-year yield. The annualized interest rate is expressed as a percentage of the principal.

Annualized interest rate refers to the interest rate discounted to the whole year through the inherent rate of return of the product. It refers to the ratio of interest amount to deposit principal or loan principal within a certain period, and then converted into one-year yield. The annualized interest rate is expressed as the percentage of the principal, the monthly expected annualized interest rate is expressed as the thousandth, and the daily expected annualized interest rate is expressed as the thousandth.

Suppose that the yield period of a financial product is a year and the yield is B, then the annualized interest rate R, r = (1 + b) ^ A-1. Annual interest rate: annual interest △ principal × 100%, for example: deposit 1 million in the bank, annual interest 20000, annual interest rate is, 2 △ 100 × 100% = 2%. Annualized interest rates are mainly used for deposits and loans.

Interest calculated on an annual basis. The annual interest rate is expressed as a percentage of the principal. For example: deposit 100 yuan, the bank promised to pay 4.2% annual interest rate, then the next year the bank will have to pay 4.2 yuan interest.

The calculation formula is 100 × 4.2% = 4.2 yuan, and the formula is: interest rate = interest / Principal / time × 100%. Interest = principal × interest rate × time = 100 × 4.2% = 4.2 yuan, and the final withdrawal is 100 + 4.2 = 104.2 yuan.

Annualized interest rate is the interest rate discounted to the whole year through the inherent rate of return of a product, that is, the daily interest rate or monthly interest rate of a product is converted into annual interest rate. Annualized interest rate is a theoretical rate of return, not an actual rate of return. If the yield period of a product is x years and the yield is y, then the annualized interest rate is X-1 of (1 + y).

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