Let me tell you something about the interest of Pufa Universal Fund. ? There are several common types: 1: equal principal and interest 2: interest before principal 3: interest before principal?

1: equal principal and interest, which is the most common way. On the surface, the annual interest rate is not high, but in fact it scares you to death. It is also a way of collecting interest pushed by major banks and small lenders (because the surface interest looks beautiful).

Let's give you an example to calculate the annual interest of Pufa Universal Fund.

For example, the 65438+ Universal Fund is divided into 12 periods, and each period is also 9130.92 *12 =109571.04-100000 = one-year interest. Is that acceptable? Do you have a head? ?

Wrong. On the surface, the annual interest rate is %9.5, but the actual calculation method of equal principal and interest is: the annual interest rate is 95,765,438+0.04/65,438+02 = the monthly interest rate is 797.58 (the interest calculation method is: the principal owed every month decreases, but the interest is still calculated according to the original amount).

0 1 monthly principal 100000 fixed monthly interest rate 797.58= about %9.57 annual interest rate. ?

The second month's principal is 90869.08-9 130.92, and the fixed monthly interest rate is 797.58= about% 10.5 annual interest rate.

The principal of the third month is 81738.16-9130.92 with a fixed monthly interest rate of 797.58= about%1.7 annual interest rate.

The fourth month's principal is 72607.24-9 130.92, and the fixed monthly interest rate is 797.58= about% 13. 18.

The principal of the fifth month is 63476.32-9 130.92, and the fixed monthly interest rate is 797.58= about% 15.

The principal in the sixth month is 54345.40-9 130.92, and the fixed monthly interest rate is 797.58= about% 17.6.

In the seventh month, the principal is 45,265,438+04.48-965,438+030.92, and the fixed monthly interest rate is 797.58= about% 265,438+0. ?

The eighth month's principal is 36083.56-9 130.92, and the fixed monthly interest rate is 797.58= about %26.5 annual interest rate.

The principal of the ninth month is 26952.64-9 130.92, and the fixed monthly interest rate is 797.58= about %35.5 annual interest rate.

The principal of the first 10 month is17821.72-9130.92. Fixed monthly interest rate of 797.58= about %53.7 annual interest rate.

The first payment 1 1 monthly principal 8690.8-9 130.92 fixed monthly interest rate 797.58= about% 1 10 annual interest rate.

Before 1 1 month, the average annual interest rate is about =%29.48, and the last month is the focus! ?

65438th installment+February principal-740.12nd installment fixed monthly interest 797.58=%? Annual interest rate.

Here, the principal+interest you paid back to the bank has exceeded the principal you borrowed from the bank, which means that after you paid back the principal+interest, the amount owed to the bank is already negative, but at this time, you still have to pay interest according to the principal of 654.38 million.

The previous annual interest rates of 1 1 month all exceeded %29, which was very severe, but the worst was the last month?

2. Interest first, then capital, is generally the interest-bearing method of major term bank loans. For example, borrow 300,000 yuan from a bank, and the contract period is 12 months. First, pay the interest of 3000 yuan per month, and pay the interest and principal in the last month of the contract period together. The annual interest rate is about% 65,438+02. This interest calculation method is also one of the most normal and standard interest calculation methods.

3. Interest first, then principal. This interest-bearing method is often used in the interest-bearing method of small loans of major banks. For example, the loan in the bank is 50,000 yuan, and the contract period is 12 months. There is no repayment within the contract period, and the principal and interest will be repaid together after the contract expires. In this way, there is an algorithm of rolling interest calculation in the middle of the contract period, but it is not too outrageous, and the final annual interest rate is not too high, about% 12, and the loan amount with this interest is not high. ?

I hope my answer can help you.

reference data

Shanghai Pudong Development Bank Credit Card Center. Shanghai Pudong Development Bank Credit Card Center [reference time 2018-1-18]