Matching principal and interest, the monthly repayment amount is fixed, so the monthly repayment is 2972.438+0 yuan, and the total interest is 54438+00.04 yuan.
In the average capital, the monthly repayment of the principal is the same, and the interest is decreasing month by month. The repayment amount in the first month is 3852.8 1 yuan, and then it is reduced by 6.6 1 yuan every month, and the total interest is 429,695.29 yuan.
If the provident fund loan is used, the loan is 530,000 yuan and the loan period is 30 years, then the monthly payment is 230,659 yuan, the total interest for 30 years is 300,300 yuan, and the total repayment is 830,300 yuan.
Yuè g 33ng refers to the monthly repayment amount that the lender should pay to the lending bank during the repayment period, including the principal and corresponding interest, when purchasing commercial houses and motor vehicles by bank mortgage.
The repayment methods of mortgage loans in China are: one-time repayment with a loan term of 1 year, and equal principal and interest repayment with a loan term exceeding 1 year.
Matching principal and interest repayment: the monthly repayment amount is the same, but the principal part increases month by month and the interest part decreases month by month. During the repayment period, the total interest expense paid is higher than the repayment method in average capital.
Average capital: the monthly repayment amount decreases month by month, in which the principal part remains unchanged and the interest decreases month by month. The total amount of interest paid during the repayment period is lower than that of the matching principal and interest method, but the amount of repayment in the early stage (including principal and interest) is higher than that of the matching principal and interest repayment method.
Interest is the use fee of money in a certain period of time, and it refers to the reward that money holders (creditors) get from borrowers (debtors) for lending money or monetary capital. Including deposit interest, loan interest and interest generated by various bonds. Under the capitalist system, the source of interest is the surplus value created by hired workers. The essence of interest is a special transformation form of surplus value and a part of profit.