Hello, netizen!
Alipay has? Financial management gadget, very simple and easy to use, can be directly searched and calculated at any time!
1, Alipay searches for "financial gadgets" and selects "mortgage calculation"
2. Select the loan amount, term and interest rate;
3. The repayment method can be equal principal and interest. In the average capital, the repayment method of bank loans is mostly equal principal and interest, and the interest rate depends on the specific amount. I am the first suite, and the loan interest rate is 9.5%, so the interest rate is 4.66.
4. Check the monthly repayment amount. Matching the principal and interest means that the monthly repayment is fixed, and the repayment method is to repay the interest first and then the principal, that is, the interest of each repayment decreases and the repayment principal increases.
5. The interest on provident fund loans is the lowest.
Second, loan 300,000 yuan to buy a house and pay it off in 20 years. According to the bank loan, how much should I pay back every month? How to calculate?
Loan amount: 300,000 yuan
Loan term: 20 years (240 months)
Several situations in which the interest rate remains unchanged and the loan is fully paid off:
1, calculated by equal principal and interest of commercial loans:
Annual interest rate: 7.05% (monthly interest rate is 5.875‰)
Monthly payment: 2334438+0 yuan.
Total interest: 260378. 19 yuan.
2. According to commercial loans, the average capital is calculated as follows:
Annual interest rate: 7.05% (monthly interest rate is 5.875‰)
The first monthly payment: 30 12.5 yuan.
Decreasing month by month: 7.34 yuan
Monthly payment at the end of the month: 1257.34 yuan.
Total interest: 2 1238 1.25 yuan.
Matching principal and interest repayment method:
Monthly loan amount = [loan principal × monthly interest rate ×( 1 interest rate )× repayment months ]=[( 1 interest rate )× repayment months]
Monthly interest payable = loan principal × monthly interest rate × [( 1 interest rate )× repayment months -( 1 interest rate) ÷ [( 1 interest rate )× repayment months-1]
Monthly repayment principal = loan principal × monthly interest rate ×(65438+ 10 interest rate) (repayment month serial number-1)÷[(65438+ 10 interest rate) repayment months-1]
Total interest = repayment months × monthly repayment amount-loan principal
Average capital repayment method:
Monthly loan amount = (loan principal ÷ repayment months) (loan principal-accumulated repaid principal) × monthly interest rate.
Monthly repayable principal = loan principal ÷ repayment months
Monthly interest payable = residual principal × monthly interest rate = (loan principal-accumulated principal repayment) × monthly interest rate
Monthly decreasing amount = monthly repayable principal × monthly interest rate = loan principal ÷ repayment months × monthly interest rate.
Total interest = [(total loan amount ÷ repayment months × monthly interest rate) total loan amount ÷ repayment months × (1 monthly interest rate)] ÷ 2× repayment months-total loan amount.
Note: monthly interest rate = annual interest rate ÷12 154 =15×15 (15 to the fourth power, that is, four15 times.
3. How much is a loan of 300,000 yuan for 20 years?
If you are going to apply for a loan in China Merchants Bank, the loan interest rate needs to be comprehensively priced in combination with the business type, credit status, guarantee method and other factors you apply for, and can only be determined after approval by the handling outlets.
(China Merchants Bank) If you want to try the monthly payment information for reference, please click here/cmbwebpubinfo/cal _ loan _ per.aspx? Chnl=dkjsq tries to use the benchmark interest rate of the current loan to try monthly payment.
4. How much is a loan of 300,000 yuan for 20 years?
If we want to make a comprehensive pricing for the business varieties, credit status and guarantee methods applied by China Merchants Bank, we need to approve them at the handling outlets.
(China Merchants Bank) If you want to calculate the monthly payment information for reference, please click here in http://www.cmbchmbWebPubInfo/Cal_Loan_Per.aspx?. . Chnl = dkjsq tries to use the benchmark interest rate of the current loan to try monthly payment.