Loan rate unit converter
Convert a percentage annual rate to nominal monthly and 360/365-basis daily rates with explicit percentage units and strict validation.
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Rate JSON
Conversion result
Rates are percentages; daily rate uses the selected day basis.
Enter rate JSON to convert
: 0 · : 0 · : 0 · : 0
What this tool does
- Check annual, monthly and daily rate units in loan quotes.
- Convert between 360-day and 365-day day-count conventions.
Example
Input
{"annualRate":6}Output
Annual rate / 年利率: 6.00% Monthly rate / 月利率: 0.50% Daily rate / 日利率: 0.02% Day-count basis / 日计息基数: 365 days / 天
All rates are percentages; monthly rate is annual rate divided by 12 and daily rate uses the selected day-count basis.
Frequently asked questions
What is the default day basis?
365 days by default; 360 days is also available for bank conventions.
Is monthly rate an effective compounded rate?
No. It is the nominal annual percentage divided by 12.
What does entering 6 mean?
It means 6%, and all displayed rates are percentages.
Keywords：年利率月利率日利率利率换算APRrate converter