At present, the People's Bank of China announced that the annual interest rate of loans with a term of more than five years is 4.9%. According to the benchmark interest rate, the monthly repayment amount is 2486.89 yuan with the interest rate unchanged, and the repayment amount decreases month by month by using the average capital method.
[loan principal × monthly interest rate ×( 1 monthly interest rate) repayment months ]=[( 1 monthly interest rate) repayment months]
Calculation principle: from the beginning of monthly contribution, the bank collects the interest of the remaining principal first, and then the principal; The proportion of interest in monthly payment decreases with the decrease of residual principal, and the proportion of principal in monthly payment increases with the increase, but the total monthly payment remains unchanged.
When buying a house with an average capital loan, the formula for calculating the monthly repayment amount is:
Monthly repayment = monthly principal, monthly principal and interest
Monthly principal = principal/repayment months
Monthly principal and interest = (principal-total accumulated repayment) x monthly interest rate
Calculation principle of average capital interest rate: the amount of principal returned every month is always the same, and interest will decrease with the decrease of remaining principal.
Second, the mortgage is 380,000 yuan. 15 How much is paid off every month?
According to the benchmark interest rate, the monthly payment is 33.2066 yuan, and the interest is * * * 2 1.8 million yuan.
What is the monthly payment for 3.38 15?
Equal monthly repayment
The total loan amount is 380,000.00 yuan.
Number of repayment months:1August
The monthly repayment is 2985.26 yuan.
Total interest paid 1
The total principal and interest is 537,346.44 yuan.
Decreasing month by month
The total loan amount is 380,000.00 yuan.
Number of repayment months:1August
The repayment in the first month is 3662.78 yuan.
Decreasing monthly: 8.62 yuan
Total interest paid 140425.83 yuan.
Principal and interest 5.83 yuan
Four. What is the monthly payment for 38 15?
Calculated according to the latest benchmark interest rate of 4.90%, for 38 years15 years, the equal principal and interest repayment is 2985.26 yuan per month, and the total interest is 157346.44 yuan, and the total principal and interest is 537346.44 yuan; Average capital repaid RMB 3,662.78 in the first month, a decrease of RMB 8.62 per month. Total interest paid140,425.83 yuan, with total principal and interest of 520,425.83 yuan. Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of self-occupied ordinary housing. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest. The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank. Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing. The way to repay the principal and interest of the loan shall be agreed by the borrower and the borrower, and shall be specified in the loan contract. If the loan term is within 65,438+0 years (including 65,438+0 years), the principal and interest will be repaid in one lump sum at maturity, and the interest will be paid with the principal. If the loan term exceeds 1 year, the principal and interest of the loan shall be repaid monthly in the form of equal principal repayment and equal principal and interest repayment. Matching principal and interest matching principal and interest repayment method means that the borrower repays the loan principal and interest with the same amount every month (commonly known as "monthly payment"), referred to as "matching method" for short. Repayment characteristics: equal principal and interest, that is, the sum of monthly repayment principal and interest is equal. This repayment method is easy to make a good repayment budget and reduce the initial repayment pressure, but interest accounts for most of the monthly repayment amount in the initial repayment. In the subsequent repayment, the proportion of principal gradually increased and the proportion of interest gradually decreased, thus achieving a relative balance. This repayment method is suitable for ordinary wage earners. Calculation method of equal principal and interest repayment method: equal principal and interest repayment amount (monthly repayment amount) = [loan principal× monthly interest rate× (1interest rate) repayment months ]=[( 1 interest rate) repayment months-1] average capital average capital repayment method means that the borrower repays the principal in equal amount every month, and the loan interest follows the principal month by month. Characteristics of repayment: the repayment of principal is the same as monthly repayment, and the interest is calculated on a daily basis according to the loan principal amount. The early repayment is large, and the monthly repayment is gradually reduced. The interest paid by this repayment method is low, but the pressure of prepayment is great. This repayment method is suitable for families with better economic income. Calculation formula of equal principal repayment: monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate.