Matching principal and interest repayment method:
Monthly loan amount = [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) (repayment month serial number-1)] ÷ [(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 repayment amount-loan principal
Average capital repayment method:
Monthly payment = (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 ÷ repayment months+total loan × monthly interest rate)+total loan ÷ repayment months ×( 1+ monthly interest rate) ]> 2× repayment months-total loan.
Extended data:
Information required to apply for mortgage loan:
The borrower's valid identity card and household registration book.
Proof of marital status, unmarried people need to provide proof of unmarried, and divorced people need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce).
If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate.
The borrower's income certificate (salary income certificate or tax payment certificate for half a year in a row).
Real estate title certificate.
Guarantor (ID card, household registration book, marriage certificate, etc.). Is required).
References:
Mortgage loan-Baidu encyclopedia