22 first-level cost engineer case test points construction period loan interest , cost engineer student notes, long press to like + forward + comment for continuous updates, click on my avatar in the Wendang version and send me a private message: 2022
1, The concept of nominal interest rate and actual interest rate:
nominal interest rate: the annual interest rate published by the bank (the interest calculation period is one year);
actual interest rate: the adjusted annual interest rate (annualized income) after taking into account changes in the interest calculation period Rate).
Actual interest rate = (1 + nominal interest rate / number of annual interest calculations) Number of annual interest calculations - 1
Annual interest rate is 4%, and interest is calculated quarterly.
Nominal interest rate = 4%
Actual interest rate = (1+4%/4)4-1=4.06%
[Example 3] A new project has a construction period of 3 years, and a loan of 3 million yuan is required in the first year. 6 million yuan per year, 400 yuan in the third year Ten thousand yuan, the annual interest rate is 10%,
During the construction period, interest is only calculated and not paid. Calculate the loan interest during the construction period (the loan occurs equally every year).
[Answer] During the construction period of
, the annual interest is calculated as follows:
q1=300×50%×10%=15.00 (10,000 yuan)
q2=(300+15+600×50%)×10%=61.50 (10,000 yuan) )
q3=(300+15+600+61.5+400×50%)×10%=117.65 (ten thousand yuan)
Therefore, the loan interest during the construction period=q1+q2+q3
=15+61.5+117.65=194.15 (ten thousand yuan)
