银行贷款日利率是多少 你不能不知道的计算方法
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银行贷款日利率是多少 你不能不知道的计算方法
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众所周知，银行主要是为大家办理存款和贷款业务的，其中贷款是其最主要的功能。我们把钱存进银行，不仅安全性高，而且还可以获得一定的利息。同时，银行也是依靠贷款来维持日常经营。那么，银行贷款日利率是多少？银行贷款日利率是多少，一般来说，我们通常听到的银行贷款利率都是按年来计算的。那么银行贷款日利率怎么计算呢？其实就是用年利率除以12，得出月利率，再用日利率除以30，就是日利率了。下面小编具体来带大家算一算。由于银行的贷款利率不是固定的，是在某一范围上下浮动的，我们就以银行基准利率为准，来算一算日利率。银行贷款基准利率一览表由上表可以看出，贷款六个月以内（含六个月）的年利率为4.35%，那么日利率就是4.35%除以12再除以30，即为0.012%。那么 贷款五年以上就是4.9%除以12除以30，即为0.013%。综上所述，银行贷款日利率的算法已经教给大家了，小编提醒，上边是按照某银行贷款基准利率来计算的，如果银行规定了具体月利率时，就以银行规定为准。有各种各样的贷款产品，有兴趣的点击【】快来申请吧！
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银行贷款利率是多少？银行贷款利率计算器提交需求，马上获得5家保险公司报价给谁投保：出生年月： 银行贷款利率应该怎么计算呢?大家保保险网建议您使用银行计算。本文将为您介绍最新银行贷款利率即银行贷款利率计算器的使用方法。银行贷款利率银行短期贷款中长期贷款个人住房公积金贷款贴现六个月（含）六个月至一年（含）一至三年（含）三至五年（含）五年以上五年以下（含）五年以上央行4.354.354.754.754.752.753.25工商银行4.354.354.754.754.9--农业银行4.354.354.754.754.92.753.25建设银行4.354.354.754.754.92.753.25中国银行4.354.354.754.754.9--交通银行4.354.354.754.754.92.753.25以再贴现利率为下限加点确定招商银行4.354.354.754.754.9--中信银行4.354.354.754.754.9--光大银行4.354.354.754.754.9--以再贴现利率为下限加点确定浦发银行4.354.354.754.754.92.753.25平安银行4.354.354.754.754.92.753.25广发银行4.354.354.754.754.9--以再贴现利率为下限加点确定民生银行4.354.354.754.754.92.753.25以再贴现利率为下限加点确定兴业银行4.354.354.754.754.92.753.25瑞丰银行4.354.354.754.754.92.753.25日照银行4.354.354.754.754.92.753.25德州银行4.354.354.754.754.92.753.25上海农商银行4.354.354.754.754.92.753.25中国邮政储蓄银行4.354.354.754.754.92.753.25丹东银行4.354.354.754.754.92.753.25成都农商银行4.354.354.754.754.92.753.25宁波银行4.354.354.754.754.92.753.25北京银行4.354.354.754.754.92.753.25长沙银行4.354.354.754.754.92.753.25成都银行4.354.354.754.754.92.753.25东亚银行4.354.354.754.754.9--齐商银行4.354.354.754.754.92.753.25浙江稠州商业银行4.354.354.754.754.92.753.25洛阳银行4.354.354.754.754.92.753.25龙江银行4.354.354.754.754.92.753.25上海银行4.354.354.754.754.92.753.25以再贴现利率为下限加点确定嘉兴银行4.354.354.754.754.92.753.25湖北银行4.354.354.754.754.92.753.25以再贴现利率为下限加点确定晋商银行4.354.354.754.754.92.753.25河北银行4.354.354.754.754.92.753.25赣州银行4.354.354.754.754.92.753.25柳州银行4.354.354.754.754.92.753.25与客户自主协商的贴现利率为准东营银行4.354.354.754.754.9--黄河农村商业银行4.354.354.754.754.92.753.25临商银行4.354.354.754.754.9--永亨银行(中国)4.354.354.754.754.9--华融湘江银行4.354.354.754.754.9--东莞农村商业银行4.354.354.754.754.92.753.25贵阳银行4.354.354.754.754.92.753.25滨海银行4.354.354.754.754.92.753.25晋商银行4.354.354.754.754.92.753.25日照银行4.354.354.754.754.92.753.25河北银行4.354.354.754.754.92.753.25成都银行4.354.354.754.754.92.753.25永亨银行(中国)4.354.354.754.754.9--上饶银行4.354.354.754.754.9--在贴现利率基础上按不超过同期贷款利率（含浮动）加点广州农商银行4.354.354.754.754.92.753.25柳州银行4.354.354.754.754.92.753.25与客户自主协商的贴现利率为准齐商银行4.354.354.754.754.92.753.25绍兴银行4.354.354.754.754.92.753.25天津银行4.354.354.754.754.92.753.25东莞银行4.354.354.754.754.92.753.25常熟农村商业银行4.354.354.754.754.92.753.25以再贴现利率为下限加点确定天津农商银行4.354.354.754.754.92.753.25福建海峡银行4.354.354.754.754.92.753.25吴江农村商业银行阜新银行4.354.354.754.754.92.753.25广西北部湾银行4.354.354.754.754.92.753.25珠海华润银行4.354.354.754.754.92.753.25顺德农商银行4.354.354.754.754.92.753.25包商银行4.354.354.754.754.92.753.25重庆三峡银行4.354.354.754.754.92.753.25苏州银行4.354.354.754.754.9--长安银行4.354.354.754.754.9--深圳农村商业银行4.354.354.754.754.9--兰州银行4.354.354.754.754.92.753.25南昌银行4.354.354.754.754.9--浙商银行4.354.354.754.754.9--以再贴现利率为下限加点确定张家港农村商业银行4.354.354.754.754.92.753.25莱商银行4.354.354.754.754.92.753.25青岛银行4.354.354.754.754.92.753.25以再贴现利率为下限加点确定齐鲁银行4.354.354.754.754.92.753.25宁夏银行4.354.354.754.754.92.753.25以再贴现利率为下限加点确定杭州银行4.354.354.754.754.92.753.25汉口银行4.354.354.754.754.92.753.25吴江农村商业银行4.354.354.754.754.92.753.25吴江农村商业银行广州银行4.354.354.754.754.92.753.25余杭农村合作银行4.354.354.754.754.9--锦州银行4.354.354.754.754.92.753.25徽商银行4.354.354.754.754.92.753.25与客户自主协商的贴现利率为准华夏银行4.64.6555.152.753.25郑州银行4.64.6555.152.753.25威海市商业银行4.64.6555.152.753.25广东南粤银行4.64.6555.15--以再贴现利率为下限加点确定北京农村商业银行4.64.6555.15--渤海银行4.64.6555.152.753.25南京银行4.64.6555.152.753.25厦门银行4.64.6555.152.753.25鄞州银行4.854.855.255.255.433.5大连银行5.355.355.755.755.944.5深圳发展银行5.666.156.46.5544.5以再贴现利率为下限加点确定恒生银行5.666.156.46.55--法兴银行5.666.156.46.55--温州银行5.666.156.46.55--重庆银行5.666.156.46.5544.5紫金农商银行5.666.156.46.55--以再贴现利率为下限加点确定乌鲁木齐市商业银行5.666.156.46.5544.5以再贴现利率为下限加点确定泉州银行5.666.156.46.55--以再贴现利率为下限加点确定西安银行5.666.156.46.5544.5昆仑银行5.666.156.46.55--以再贴现利率为下限加点确定星展银行------6.55银行贷款利率计算器银行贷款计算器计算界面王先生贷款买房，贷款金额100万，还款期限20年，按照最新基准利率4.9%计算，王先生通过银行贷款利率计算器的计算，算出了自己每月还款的明细。如下表所示：王先生还款本息期次等额本息等额本金偿还利息偿还本金剩余本金偿还利息每期还款剩余本金14,083.332,461.11997,538.894,083.338,250.00995,833.3324,073.282,471.16995,067.744,066.328,232.99991,666.6734,063.192,481.25992,586.494,049.318,215.97987,500.0044,053.062,491.38990,095.114,032.298,198.96983,333.3354,042.892,501.55987,593.564,015.288,181.94979,166.6764,032.672,511.77985,081.793,998.268,164.93975,000.0074,022.422,522.02982,559.773,981.258,147.92970,833.3384,012.122,532.32980,027.453,964.248,130.90966,666.6794,001.782,542.66977,484.783,947.228,113.89962,500.00103,991.402,553.04974,931.743,930.218,096.88958,333.33113,980.972,563.47972,368.273,913.198,079.86954,166.67123,970.502,573.94969,794.333,896.188,062.85950,000.00133,959.992,584.45967,209.893,879.178,045.83945,833.33143,949.442,595.00964,614.893,862.158,028.82941,666.67153,938.842,605.60962,009.293,845.148,011.81937,500.00163,928.202,616.24959,393.063,828.137,994.79933,333.33173,917.522,626.92956,766.143,811.117,977.78929,166.67183,906.802,637.65954,128.493,794.107,960.76925,000.00193,896.022,648.42951,480.083,777.087,943.75920,833.33203,885.212,659.23948,820.843,760.077,926.74916,666.67213,874.352,670.09946,150.763,743.067,909.72912,500.00223,863.452,680.99943,469.763,726.047,892.71908,333.33233,852.502,691.94940,777.833,709.037,875.69904,166.67243,841.512,702.93938,074.893,692.017,858.68900,000.00253,830.472,713.97935,360.933,675.007,841.67895,833.33263,819.392,725.05932,635.883,657.997,824.65891,666.67273,808.262,736.18929,899.703,640.977,807.64887,500.00283,797.092,747.35927,152.353,623.967,790.63883,333.33293,785.872,758.57924,393.783,606.947,773.61879,166.67303,774.612,769.83921,623.953,589.937,756.60875,000.00313,763.302,781.14918,842.813,572.927,739.58870,833.33323,751.942,792.50916,050.313,555.907,722.57866,666.67333,740.542,803.90913,246.403,538.897,705.56862,500.00343,729.092,815.35910,431.053,521.887,688.54858,333.33353,717.592,826.85907,604.213,504.867,671.53854,166.67363,706.052,838.39904,765.823,487.857,654.51850,000.00373,694.462,849.98901,915.843,470.837,637.50845,833.33383,682.822,861.62899,054.223,453.827,620.49841,666.67393,671.142,873.30896,180.923,436.817,603.47837,500.00403,659.412,885.04893,295.883,419.797,586.46833,333.33413,647.622,896.82890,399.073,402.787,569.44829,166.67423,635.802,908.64887,490.423,385.767,552.43825,000.00433,623.922,920.52884,569.903,368.757,535.42820,833.33443,611.992,932.45881,637.453,351.747,518.40816,666.67453,600.022,944.42878,693.033,334.727,501.39812,500.00463,588.002,956.44875,736.593,317.717,484.38808,333.33473,575.922,968.52872,768.073,300.697,467.36804,166.67483,563.802,980.64869,787.443,283.687,450.35800,000.00493,551.632,992.81866,794.633,266.677,433.33795,833.33503,539.413,005.03863,789.603,249.657,416.32791,666.67513,527.143,017.30860,772.303,232.647,399.31787,500.00523,514.823,029.62857,742.683,215.637,382.29783,333.33533,502.453,041.99854,700.693,198.617,365.28779,166.67543,490.033,054.41851,646.273,181.607,348.26775,000.00553,477.563,066.88848,579.393,164.587,331.25770,833.33563,465.033,079.41845,499.983,147.577,314.24766,666.67573,452.463,091.98842,408.003,130.567,297.22762,500.00583,439.833,104.61839,303.393,113.547,280.21758,333.33593,427.163,117.28836,186.113,096.537,263.19754,166.67603,414.433,130.01833,056.093,079.517,246.18750,000.00613,401.653,142.79829,913.303,062.507,229.17745,833.33623,388.813,155.63826,757.673,045.497,212.15741,666.67633,375.933,168.51823,589.163,028.477,195.14737,500.00643,362.993,181.45820,407.703,011.467,178.13733,333.33653,350.003,194.44817,213.262,994.447,161.11729,166.67663,336.953,207.49814,005.782,977.437,144.10725,000.00673,323.863,220.58810,785.192,960.427,127.08720,833.33683,310.713,233.73807,551.462,943.407,110.07716,666.67693,297.503,246.94804,304.522,926.397,093.06712,500.00703,284.243,260.20801,044.322,909.387,076.04708,333.33713,270.933,273.51797,770.812,892.367,059.03704,166.67723,257.563,286.88794,483.942,875.357,042.01700,000.00733,244.143,300.30791,183.642,858.337,025.00695,833.33743,230.673,313.77787,869.862,841.327,007.99691,666.67753,217.143,327.31784,542.562,824.316,990.97687,500.00763,203.553,340.89781,201.672,807.296,973.96683,333.33773,189.913,354.53777,847.132,790.286,956.94679,166.67783,176.213,368.23774,478.902,773.266,939.93675,000.00793,162.463,381.98771,096.922,756.256,922.92670,833.33803,148.653,395.79767,701.122,739.246,905.90666,666.67813,134.783,409.66764,291.462,722.226,888.89662,500.00823,120.863,423.58760,867.882,705.216,871.88658,333.33833,106.883,437.56757,430.322,688.196,854.86654,166.67843,092.843,451.60753,978.722,671.186,837.85650,000.00853,078.753,465.69750,513.022,654.176,820.83645,833.33863,064.593,479.85747,033.182,637.156,803.82641,666.67873,050.393,494.06743,539.122,620.146,786.81637,500.00883,036.123,508.32740,030.802,603.126,769.79633,333.33893,021.793,522.65736,508.152,586.116,752.78629,166.67903,007.413,537.03732,971.122,569.106,735.76625,000.00912,992.973,551.48729,419.642,552.086,718.75620,833.33922,978.463,565.98725,853.672,535.076,701.74616,666.67932,963.903,580.54722,273.132,518.066,684.72612,500.00942,949.283,595.16718,677.972,501.046,667.71608,333.33952,934.603,609.84715,068.132,484.036,650.69604,166.67962,919.863,624.58711,443.552,467.016,633.68600,000.00972,905.063,639.38707,804.172,450.006,616.67595,833.33982,890.203,654.24704,149.932,432.996,599.65591,666.67992,875.283,669.16700,480.772,415.976,582.64587,500.001002,860.303,684.14696,796.632,398.966,565.62583,333.331012,845.253,699.19693,097.442,381.946,548.61579,166.671022,830.153,714.29689,383.152,364.936,531.60575,000.001032,814.983,729.46685,653.692,347.926,514.58570,833.331042,799.753,744.69681,909.002,330.906,497.57566,666.671052,784.463,759.98678,149.022,313.896,480.56562,500.001062,769.113,775.33674,373.692,296.876,463.54558,333.331072,753.693,790.75670,582.942,279.866,446.53554,166.671082,738.213,806.23666,776.712,262.856,429.51550,000.001092,722.673,821.77662,954.942,245.836,412.50545,833.331102,707.073,837.37659,117.572,228.826,395.49541,666.671112,691.403,853.04655,264.532,211.816,378.47537,500.001122,675.663,868.78651,395.752,194.796,361.46533,333.331132,659.873,884.57647,511.172,177.786,344.44529,166.671142,644.003,900.44643,610.742,160.766,327.43525,000.001152,628.083,916.36639,694.372,143.756,310.42520,833.331162,612.093,932.36635,762.022,126.746,293.40516,666.671172,596.033,948.41631,813.612,109.726,276.39512,500.001182,579.913,964.53627,849.072,092.716,259.37508,333.331192,563.723,980.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热门资讯热门关键词热门计划热门产品从各种费率中如何计算贷款的真实利率？
来源：家财管加
　　月费率、月管理费率、月利息、日利息......都是些什么鬼。
　　但凡接触过、花呗、白条、贷款等经融产品的小伙伴肯定都见过它们，而且一见就蒙圈。这些各种费率说到底都是实际利率经过“包装”变相后的呈现，褪去这层包装，或许你才会发现，原来XX的借款利率居然这么高。
　　今天小编要告诉你的就是，如何在各种费率的掩护下揭开真实利息。
　　还不赶快拿出小本本！
　　先拿我们常用的“花呗”来说事。花呗分期费率是随着期数而变化的，3期费率2.50%，还挺便宜的，那实际年利率呢？
　　分3期，费率2.50%，每月费率为2.5/3，借款3个月的实际年利率=0.83*3*24/（3+1）≈15%
　　分6期，费率4.50%，每月费率4.5/6，借款6个月的实际年利率=0.75*6*24/（6+1）≈15.4%
　　同理，借一年的年利率就是16.2%
　　“京东白条”借款是直接用每月费率计息，每个月要还的钱是固定的，每个月要还的手续费也是不变的。
　　借3个月，月费率0.5%，实际年利率=0.5*3*24/（3+1）=9%
　　借一年的实际年利率=0.5*12*24/（12+1）=11.07%
　　换成统一的年利率对比，一眼就能看出不同借款产品的借款利率高低。
　　“费率”和“月费率”，多一字和少一字的区别看出来了吗。用“费率”计息，借钱时间越长，年利率越高；用“月费率”计息，每月还款利率不变。
　　总结来说，就是一个公式：实际年利率=a*n*24/（n+1），a：月费率，n：日期。
　　记住这个公式，信用卡消费分期也好，现金分期利率也罢，不管跟你绕多大一个圈子，将年利率隐藏得多深，你总能一眼识破它。
关键词阅读：
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