20 points means an increase of 20% on the basis of the original price 1

For example, if you loan 10000 yuan with interest of 20 cents, then what you need to bear is equal to10000 * (1+0.2) =12000 yuan.

Interest refers to the reward that the currency holder (creditor) gets from the borrower (debtor) for lending money or monetary capital. Including deposit interest, loan interest and interest generated by various bonds. Under the capitalist system, the source of interest is the surplus value created by hired workers. The essence of interest is a special transformation form of surplus value and a part of profit.