How to calculate the equal principal and interest and average capital? It is reported that the calculation formula of equal principal and interest is: [the number of months of monthly payment of loan principal]/[(1interest rate) the number of months of repayment-1].
2. Calculation formula of average funds: monthly repayment amount = (accumulated repayment principal amount) monthly interest.
For example, suppose the principal is 10000 yuan, the bank loan is 10 year, and the benchmark interest rate is 6.65%, and compare the differences between the two loan methods.
3. Matching repayment method of principal and interest: monthly interest rate = annual interest rate/12 = 0.005541667; Monthly repayment principal and interest = [100000.05438+0667 (10.0054438+0667)120]/[(10.05438+0020]. 1008 1 The total repayment amount is 137 17. 52 yuan; The total interest is 37 175200 yuan.
Four. Repayment method in average capital: monthly repayment amount = (loan principal/repayment months) (principal-repaid principal 0/ 120) (accumulated amount 10 gold) 0.005548.75 yuan will reduce by 0.462 yuan per month; The total repayment amount is 3352.75438+0 yuan.
2. How to calculate the monthly repayment principal and interest with equal principal and interest?
Matching principal and interest refers to a repayment method of housing loans (the other is average capital), that is, the same amount of loans (including principal and interest) are repaid every month during the repayment period, which is different from average capital.
The formula for calculating the monthly repayment amount is as follows: [loan principal × monthly interest rate ×( 1 interest rate )× repayment months]/[(1interest rate )× repayment months-1] For example, suppose that the borrower obtains a personal housing loan of 200,000 yuan from the bank with a loan term of 20 years and a monthly interest rate of 4.2. According to the above formula, the sum of monthly principal and interest payable is 1324.33 yuan. The above results only give the sum of the principal and interest payable each month, so it is necessary to break down the principal and interest. Still on the basis of the above example, one month is the first installment, the balance of the first installment loan is 200,000 yuan, and the interest payable is 840.00 yuan (200,000 × 4.2 ‰), so only the principal can be repaid, and the bank loan is still 1995 15.67 yuan; The interest payable in the second phase is 837.97 yuan (1995 15.67×4.2‰), the principal is returned to 486.37 yuan, and the bank loan is still 199029.30 yuan, and so on.
3. How does the equal principal and interest repayment method calculate the monthly repayment amount?
First of all, an affirmative answer.
For the mortgage with equal principal and interest repayment method, the calculation formula of monthly repayment amount is: monthly repayment amount (principal interest) = [loan principal × monthly interest rate ×( 1 interest rate) × repayment months] ([(1 interest rate) × repayment months].
Second, the specific analysis
This can ensure that the monthly repayment amount is consistent throughout the repayment period.
Of course, although the monthly repayment amount is the same, the proportion of principal and interest is constantly changing.
At the initial stage of repayment, interest accounts for a relatively large proportion. With the continuous repayment, the interest is almost the same. In the later period of repayment, the principal accounts for a relatively large proportion.
It should be noted that since the first month of mortgage is generally calculated from the loan date to the first repayment date, the interest is usually calculated according to the actual number of days, not according to the natural month, so the repayment amount of mortgage in the first month may be different from the subsequent repayment amount.
In short, as long as the repayment is made according to the amount shown on the bill sent by the handling bank every month.
If the average capital method is used to repay the mortgage loan, it is to repay the same amount of principal and the interest generated by the remaining loan in the current month at the same cost as the total loan.
You can clearly understand the problems in your big data in Winnie Hsin. It is an efficient, accurate and complete big data system, which cooperates with more than 2,000 online lending platforms to provide accurate and comprehensive data.
3. How long will it take to wait for the loan approval?
After the mortgage is approved, just wait for the bank to lend money. General loan funds will arrive in one to two months.
Sometimes, if the bank is short of funds or delayed, it may take longer, about three to four months to receive the loan funds.
Sometimes there are a large number of people waiting in line for loans, and there is a phenomenon of waiting for loans, and even it takes longer. It's been half a year since I applied for mortgage repayment.
For example, taking the year-end mortgage loan as an example, due to the shortage of bank funds at the end of the year and the year-end settlement of the bank, it is difficult to lend money before the year, and many people wait until the end of the new year and the beginning of the next year.
Of course, banks usually send information notices when loans arrive. If they haven't received the news for a long time, and the mortgage loan has been in the process of lending, they can take the initiative to call the customer service of the bank and ask the other party to lend as soon as possible.
In order to prevent real estate developers from not receiving the house payment, they should also explain the situation with the developers, and the two sides should negotiate well to avoid unnecessary.
4. How to calculate the monthly repayment principal in the matching principal and interest?
Average capital, monthly repayment including principal and interest! The specific algorithm can be consulted by Du Niang, or the activity post made by Cai Xiao /forum.php? View thread & tid =1647. Highlight =% E5% B0% 8F% E8% B4% A2% E8% AF% BE% E5% A0% 82