A: There are different situations. How much does the bank loan 30 10 need to pay back every month? According to the central bank's benchmark interest rate, the annual interest rate of commercial loans over five years is 4.90%. The annual interest rate of provident fund loans for more than five years is 3.25%, and the monthly mortgage payment of 300,000 yuan is calculated as follows: 1. Commercial loan 1 300,000 monthly mortgage payment 167.32 yuan. 2. The 300,000-yuan mortgage with an average capital repayment method of 65,438+00 is 3,725.00 yuan in the first month, and then it will decrease month by month. 2. Provident fund loan 1, with the repayment method of equal principal and interest of 300,000 mortgage 10, and the monthly payment of 293 1.57 yuan. 2. Average repayment method: the first month of the 300,000-yuan loan of 10 is 33 12.50 yuan, and then it will decrease month by month. There are two repayment methods of mortgage: equal principal and interest repayment method and average principal repayment method. Different repayment methods lead to different monthly payments after loan. The calculation method of the monthly repayment amount of the two loan methods is as follows: 1, and the monthly repayment amount of the equal principal and interest repayment method = [loan principal x monthly interest rate x( 1 monthly interest rate) repayment months] 6 [( 1 monthly interest rate)]. 2. The monthly repayment amount of the average capital repayment method = (the number of months to repay the loan principal) (the loan principal-the accumulated repayment amount of the principal) x the monthly interest rate, and the equal principal repayment means that the principal repaid every month is the same, and the interest is gradually decreasing. The loan is 300,000 yuan, which will be repaid in 65,438+00 years. Only mortgages have such a long term, and normal credit loans are generally 1-5 years. According to the current benchmark interest rate of 3.85% per annum, it depends on your qualifications, credit liabilities and repayment sources. Ordinary commercial loans or provident fund loans. How many points does the interest rate rise or fall? 300,000 yuan10 year/65438+February = 2,500 yuan. The interest is 300,000× 3.85% ÷ 65438+February = 962.5 yuan. Monthly repayment is 2500962.5 = 3462.5 yuan.

What is the monthly repayment of the loan of 2.306,5438+00 years?

The monthly repayment amount of 300,000 yuan for ten-year bank loan is calculated according to the charging standard of the lending bank. Take Bank of China as an example:

Annual interest rate of loan principal = annual interest rate. 202 1, the annual interest rate of China Bank is 4.75%, the loan is 300,000 yuan, and the annual interest is 14250 yuan. The interest for ten years is 142500 yuan;

Monthly principal repayment: 300,000 yuan/120 = 2,500 yuan;

Monthly interest payable:142500/120 =1187.5 yuan;

The monthly repayment amount is equal to the monthly repayment principal plus the monthly repayment interest: 25001187.5 = 3687.5 yuan.

3. What is the down payment of 800,000 yuan and the monthly payment of 300,000 yuan?

The monthly payment is 5278.87 yuan. The formula is: monthly repayment amount = monthly interest rate of loan principal (65438+ 10), total repayment months /((65438+ 10), total repayment months-1).

If you buy an 800,000 house with a down payment of 300,000, the remaining 500,000 can be paid by loan. When you go to the bank to apply for a loan, you can choose the appropriate loan method according to the actual situation.

If you choose a commercial loan, the interest rate of the loan for ten years is calculated at 4.9%. If the repayment is made in the form of equal principal and interest, the monthly repayment is 5278.87 yuan. If the average capital is repaid, the amount to be repaid in the first month is 6208.34 yuan, and the amount will decrease every month thereafter.

Algorithm for monthly payment:

I. Equal principal and interest repayment method

At the initial stage of repayment, the interest expense is the largest and the principal is the least. Later, the interest payment gradually decreased and the principal gradually increased, but the amount (principal and interest) paid each month was the same. It is more suitable for young people with low income and little savings, because the pressure of monthly payment will not reduce the quality of life.

Second, the average capital repayment method.

Repay the loan principal in equal amount every month, and the loan interest decreases month by month with the principal and interest, and the monthly repayment amount (principal and interest) decreases gradually. The total interest paid is less than the equal principal and interest method. Suitable for middle-aged people with high income and certain savings. The formula is: monthly repayment amount = loan principal/total repayment months (loan principal-accumulated repaid principal) monthly interest rate.

I want to borrow a mortgage loan of 300,000 yuan from the bank and pay it off in 65,438+00 years. How much is the monthly repayment?

The loan products of each bank are different, and the interest is naturally different, and what is your mortgage? Commercial housing? Cars? Second-hand house? Different risks determine different interest rates. As long as you go to the bank to handle the loan business, the staff will give you a repayment plan, which will be written clearly. The staff will also explain it to you when the loan is accepted.