For example, suppose that the housing loan is 200,000, 20 years, with an annualized interest rate of 4.9% and equal principal repayment. Monthly repayment amount 1308.89 yuan, total interest 1 133. 14 yuan. After one year of normal repayment, the interest paid is 9665.52 yuan.
1, remaining principal of housing loan =193958.87-50000 =143958.87 yuan;
2. In the case that the remaining principal is 143958.87 yuan, in order to ensure that the monthly repayment amount will not change around 1308.89 yuan, the loan interest will gradually decrease;
3. After about 12 years, there will be an equilibrium. The remaining principal is repaid in 12 years (144 installments), with the monthly repayment amount = 1324.25 yuan, and the remaining interest payable = 46,733.36 yuan.
I still suggest that you can quickly log in to mobile online banking for bank loans, and actually make some prepayment in my loan. After choosing to shorten the term, the system will immediately get the repayment term after prepayment, which will be more accurate.
What website is a more formal loan service platform? 1. An Xinhua: Zhongan Xinye launched microfinance. As the first batch of demonstration companies of microfinance service projects approved by government departments in Shenzhen, its reliability is beyond doubt and its overall strength is very good. It gives a credit line of 0.2 million/200 thousand, the longest loan period is 36 months, and the next payment can be quickly reviewed.
2. Mei Tian Loan: A well-known brand of financial services under Lingchuang Zhixin Group, as an institution recognized by Chongqing Local Financial Supervision Administration, its reliability is beyond doubt. The maximum loan credit line is 654.38 million yuan, the longest loan term is 12 months, and the annualized rate is 15.4%. Partners who urgently need money can try.
3. Easy to consume: Personal credit loans will be launched immediately. Formal financial institutions can apply with their ID cards. The maximum loan line is 200,000 yuan, and they can borrow for 12 months at most, with a minimum annualized rate of 7.2%. Chinese mainland residents aged 22-40 can bring their ID cards and savings cards, and the next payment will be systematically reviewed.
4. Loan: Jiangxi Ganjiang New Area Duolaidian Network Microfinance Co., Ltd. undertakes the operation, and it is a state-owned microfinance with a credit line of 500,000-200,000, and the longest loan period is 36 months. The borrower has reached the age of 18-55, registered in real-name registration system for 3 months and has a normal communication record, and can try to borrow for half a year.
5. Du Xiaoman: Baidu Finance extracts independent credit business, mainly promoting unsecured credit loan products that Baidu spends money on. The credit line is 5 million-200,000, and the daily interest is calculated at a minimum of 0.02%. There is no pre-loan fee, and the application is simple and the loan can be quickly reviewed.
The above is the relevant content of "What website is a more formal loan service platform", and I hope it will help everyone.