Matching principal and interest: the total monthly repayment amount is fixed, in which the principal part increases month by month and the interest part decreases month by month.
Calculation formula of equal principal and interest: monthly repayment amount = principal * monthly interest rate *( 1+ monthly interest rate) * loan months /( 1+ monthly interest rate) * repayment months-1.
Monthly interest rate = annualized interest rate/12
65,438+0,700,000 yuan is divided into 65,438+09 years. If the annual loan interest rate is 4.6%, the total interest is * * * 35 1. 1.03 yuan, and the total repayment is 1.05 1.656.
27,000 yuan 19 years. If the annual interest rate of the loan is 4.9%, the total interest is * * * 377024.96 yuan, the total repayment is 1 077024.96 yuan, and the monthly payment is 4723.79 yuan.
Second, the average capital
Average capital: the total monthly repayment decreases, in which the principal part is fixed and the interest part decreases month by month.
Average fund calculation formula: monthly repayment amount = (loan principal/repayment months)+(principal-accumulated amount of repaid principal) × monthly interest rate.
Monthly interest rate = annualized interest rate/12
65,438+0,700,000 yuan is divided into 65,438+09 years. If calculated according to the annual loan interest rate of LPR 4.6%, the total interest is * * * 30724 1.67 yuan, and the total repayment is 1.00724 1.67 yuan. Monthly payments are as follows:
No.65438 +0:5753.55438+0 yuan, No.2: 574 1.74 yuan, No.3: 5729.97 yuan, No.4: 57 18.20 yuan, No.5: 5706.408 yuan.
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No.223: 3 140.79 yuan, No.224: 3 129.02 yuan, No.225: 317.25 yuan, No.226: 3 105.48 yuan.
27,000 yuan 19 years. If the annual loan interest rate is 4.9%, the total interest is * * * 327279. 17 yuan, and the total repayment is 1.027279. 17 yuan. Monthly payments are as follows:
No.65438 +0:5928.5 1 yuan, No.2: 59 15.97 yuan, No.3: 5903.44 yuan, No.4: 5890.90 yuan, No.5: 5878.36 yuan.
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No.223: 3 145.39 Yuan No.224: 3 132.86 Yuan No.225: 3 120.32 Yuan No.226: 3 107.79 Yuan No.227.