According to the calculation formula of interest: principal × interest rate × time, interest can be calculated (note that time and interest rate should correspond in the formula). Therefore, principal = interest ÷ interest rate ÷ time, interest rate = interest ÷ principal ÷ time, time = interest ÷ principal ÷ interest rate.

for instance

When the investor deposits 654.38+10,000 yuan in the bank with a term of 3 years and an interest rate of 3.5%, the interest on the due deposit = 654.38+00× 3× 3.5% = 654.38+0.05 million yuan. It should be noted that some time deposits and large deposits are withdrawn before maturity, and the interest is calculated according to the listed interest rate of bank demand deposits on the withdrawal date.

If the user withdraws the deposit in advance two years later, the bank will calculate the interest according to the deposit interest rate of 0.3%, and the user can only get the interest = 100000× 0.3 %× 2 = 600 yuan. Compared with cash withdrawal at maturity, users will lose more than 9000 interest income.