If you borrow from China Merchants Bank, the specific monthly payment depends on your loan execution interest rate and repayment method. You can try monthly payment through China Merchants Bank official website or mobile banking, and the trial results are for reference only.
Mobile banking: log in to mobile banking and click My-All-Assistant-Financial Calculator-Loan Calculator;
China Merchants Bank Home Page: Financial Tools-Personal Loan Calculator is in the middle of the home page.
Enter information such as loan amount, annual interest rate, loan term and repayment method, and try to calculate monthly loan amount and interest.
(Reply time: 202 1 year 65438+February 17, please refer to China Merchants Bank official website for the latest business changes).
Tips: If you have any questions in the follow-up, please feel free to contact China Merchants Bank APP@ your intimate customer service ~
How much should I pay back the 250 thousand mortgage in fifteen years?
Related to the execution interest rate, the current benchmark interest rate for loans with a term of more than five years is 4.9% per annum, and the general execution interest rate for mortgage loans is floating up on the basis of the benchmark interest rate, generally calculated as floating up by 20%, and the interest rate is 4.9%* 1.2=5.88%. According to the new interest rate policy, the LPR in February 2020 was 4.75%, that is, the LPR was 4.75%+65438.
Monthly repayment = 250000 * 5.88%/12 * (1+5.88%/12)180/((1+5.88%//kloc-
Total interest = 3182.07 *180-380,000 = 192772.6.
The down payment for buying a house is 385,000 yuan, the loan is 6.5438+0.35 million yuan, and the loan is 250,000 yuan.
Does the subject want to ask: "I bought a house with a down payment of 385,000 yuan, a loan of135,000 yuan and a loan of 250,000 yuan. How much is this month? " 2028. 14 yuan. The mortgage interest rate is 4.90%. If the loan of 250,000 yuan is repaid in 15 years, the total interest to be repaid is 1 15066. 10 yuan, the principal plus interest is 365,066.10 yuan, and the monthly repayment amount is 2028.65438+. Mortgage means that buyers don't have enough money to buy a house. They can mortgage their house to the bank to get a loan to buy a house.
The loan is 250,000 years, 15 years, and the annual interest rate is 5.39 per month. How much is the principal?
The monthly interest is 2028. 14 yuan. According to the annual interest rate of 5.39%, the repayment method is "equal principal and interest repayment", the total interest is 1 15066. 1 yuan, and the monthly repayment amount is 2028.438+04 yuan; Repay by "average capital Repayment Method", the total interest is 10 1623.96 yuan, and the monthly repayment amount decreases month by month.
Matching repayment method of principal and interest: monthly payment = [loan principal × monthly interest rate ×( 1+ monthly interest rate )× repayment months] ([(1+ monthly interest rate )× repayment months].
Monthly interest payable = loan principal × monthly interest rate × [(1+monthly interest rate) repayment months -( 1+ monthly interest rate) ÷ [(1+monthly interest rate) repayment months -650.
Monthly repayment principal = loan principal × monthly interest rate ×( 1+ monthly interest rate) (repayment month serial number-1) ÷ [(1+monthly interest rate) repayment months-1] Total interest = repayment months × monthly loan principal.
Average capital repayment method: monthly payment = (loan principal ÷ repayment months)+(loan principal-accumulated repaid principal amount) × monthly interest rate.
Monthly repayable principal = loan principal ÷ repayment months
Monthly interest payable = residual principal × monthly interest rate = (loan principal-accumulated amount of repaid principal) × monthly interest rate
Decreasing monthly payment = monthly repayment principal × monthly interest rate = loan principal ÷ repayment months × monthly interest rate Total interest = [(total loan ÷ repayment months+total loan × monthly interest rate)+total loan ÷ repayment months ×( 1+ monthly interest rate)] ÷ 2 × repayment months]
Monthly interest rate = annual interest rate ÷12 154 =15 ×15 (the fourth power of15, that is, the product of four15).
With the change of mortgage policy, both loan interest rate and loan down payment will change. The monthly loan amount for buying a house is related to the down payment amount, loan term, loan repayment method and bank interest rate. Let's take a look at how to calculate the monthly payment of equal principal and interest repayment and equal principal repayment.
The calculation formula is as follows: equal principal and interest repayment method: monthly payment = [loan principal × monthly interest rate ×( 1+ monthly interest rate) repayment months] = [(1+monthly interest rate) repayment months-1] average capital repayment method: monthly payment = (loan principal).
1. Commercial loan: What is the monthly loan of 250,000 15?
Matching principal and interest: the total loan interest is 1035 17.40 yuan, the total principal and interest is 3535 17.40 yuan, and the monthly payment is 1963.99 yuan. Average capital: the total loan interest is 92,385.42 yuan, and the total principal and interest is 342,385.42 yuan. The loan for the first month was RMB 2,409.72, a decrease of RMB 5.67 per month.
2. Provident fund loan: What is the monthly payment of 256,5438+05?
Matching principal and interest: the total loan interest is 66,200.95 yuan, the total principal and interest is 316,200.95 yuan, and the monthly payment is 1756.67 yuan. Average capital: the total loan interest is 665,438+0,276.04 yuan, and the total principal and interest is 365,438+065,438+0,276.04 yuan. The first month's payment is 2065.97 yuan, with a monthly decrease of 3.76 yuan.