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枫下家园 / 理财投资税务 / 今天被朋友问一问题，把我搞糊涂了。找银行贷款，prime rate如果是4%，这个指yearly还是monthly? 假设一共接10000块，如果monthly rate是4%，怎么算？是不是每个月涨10000X4%？
-early-bird(不会飞的鸟);
2002-5-3
(#498483@0)
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都在笑我的问题傻吗
-early-bird(不会飞的鸟);
2002-5-3
(#498498@0)
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I think you would only be concerned with Prime rate if you select variable rate mortgage plan.If prime rate rise, more payment goes to interest, less to principle. In another word, prime rate is your mortgage interest rate, just it will change down the road.
-lusi(丑小鸭也想变天鹅);
2002-5-3
{164}
(#498518@0)
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It should be the rate set by Canada bank. Go to the bank's web site, you will find their prime rate for today. For example, tdcanada's prime rate is 4% now, 0.25% up comparing with 2 months ago.
-lusi(丑小鸭也想变天鹅);
2002-5-3
(#498500@0)
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谢您回答，可我意思是问这rate怎么算，不是问rate怎么涨的。您再说说看
-early-bird(不会飞的鸟);
2002-5-3
(#498510@0)
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If you want to know how much is your payment for every month, just put the prime rate as interest rate in any mortgage calculator tool, and there you go. Am I clear now? :-/
-lusi(丑小鸭也想变天鹅);
2002-5-3
(#498577@0)
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^^^
-early-bird(不会飞的鸟);
2002-5-3
(#498523@0)
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在我的印象中，当人们提到贷款或存款利率时，总是指的年息。即使是隔夜拆息利率，也是用年利率来表达。PRIME RATE 为 4% 时，每月利息为 10000 X 4% / 12 = 33。333 元。
-rollor(Rollor);
2002-5-3
(#498528@0)
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还是rollor是明白人。谢谢。如果说interest是monthly计算，那就是10000*4%每月对 吧？
-early-bird(不会飞的鸟);
2002-5-3
(#498542@0)
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当人们说月息时，要特别说明每月，并且往往是用千分之来表达。INTEREST RATE就是年息。计算每月的INTEREST时，用本金乘以年息再除以十二。
-rollor(Rollor);
2002-5-3
(#498569@0)
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The interest rate is set monthly at the Bank's prime rate plus one percentage point. 这个是问题的出处，如果prime rate是4%，这个怎么算？
-early-bird(不会飞的鸟);
2002-5-3
(#498561@0)
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4+1 =5
-diao_david(Internship 在哪里？);
2002-5-3
(#498585@0)
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再说一遍，无论是每天算一回的隔夜拆息利率，还是每月定一次的最优惠利率，表示的都是年息。4% 除以 12 。
-rollor(Rollor);
2002-5-3
(#498589@0)
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我笨我笨，我就是不明白那个plus one percentage point怎么来的？劳驾您了。
-early-bird(不会飞的鸟);
2002-5-3
(#498595@0)
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年息百分之五。
-rollor(Rollor);
2002-5-3
(#498617@0)
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哦明白嘹，谢
-early-bird(不会飞的鸟);
2002-5-3
(#498623@0)
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Premier Rate 是变的，那个百分之一的是贷款方的风险。所以最终利率也是波动的，现在Premier 是4，利率就是 4+1=5。如果premier 长成8%，利率就是8+1=9%。每个银行对贷款人都有一套评估方法，最好的客户是AAA能够享受Premier Rate（这种情况很少）。一般的范围在 Premier + 1-3%之间。
-diao_david(Internship 在哪里？);
2002-5-3
{120}
(#498633@0)
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yearly
-fisher38(渔父);
2002-5-3
(#498531@0)
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是按年算得。
-mike2000(风筝);
2002-5-3
(#498536@0)