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计算利息有一个固定的公式即:利息=积数×利率(公式Ⅰ),其中,积数=本金×时间。本金是指存款或贷款的金额,在法院审理案件中计算利息时,本金就是当事人违约的金额。时间就是指存款或贷款的时间长短,在法院审理案件中,这就是当事人违约的时间。利率就是国家颁布的利率,这里要注意的是利率分为年利率(％),月利率(％),日利率,(％),银行通常用的是月利率(％),而法院在计算时要将月利率划为日利率,(即将月利率直接除以30天),原因是因为当事人违约的时间往往不是整月、整年,不是多几天,就是少几天,所以,只有将月利率划为日利率,计算才准确。
There is a fixed formula to calculate the interest that is: interest = product number × interest rate (formula Ⅰ), in which the product number = principal × time. Principal refers to the amount of deposits or loans, the court in the calculation of interest in the case, the principal is the amount of default by the parties. Time refers to the length of time deposits or loans in the court hearing the case, this is the time of default. The interest rate is the interest rate promulgated by the state. It should be noted here that the interest rate is divided into annual interest rate (%), monthly interest rate (%), daily interest rate (%), and the bank usually uses the monthly interest rate The monthly interest rate should be demarcated as the daily interest rate (that is, the monthly interest rate should be divided directly by 30 days). The reason is that the default time is often not the whole month, the entire year, the few days or the few days. Therefore, The interest rate is zoned for the daily interest rate and the calculation is accurate.