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The periodic interest rate is the interest rate applied per compounding period (day, month, quarter). It converts the annual rate to the rate used in payment calculations. Monthly rate = Annual rate / 12.
Przewodnik krok po kroku
- 1Monthly rate = Annual rate / 12
- 2Daily rate = Annual rate / 365 (or 360 for some loans)
- 3Quarterly rate = Annual rate / 4
- 4EAR = (1 + periodic rate)^periods − 1
Rozwiązane przykłady
Wejście
6% annual · monthly compounding
Wynik
Periodic rate = 6% / 12 = 0.5% per month
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