There are two payment methods for mortgage: equal principal and interest and average capital. The specific formula is as follows: equal principal and interest: [loan principal × monthly interest rate× (1monthly interest rate) repayment months ]=[( 1 monthly interest rate) repayment months-1] average principal: monthly repayment amount = (loan principal/repayment months). Two months is quadratic.

Second, the mortgage calculation formula is 202 1 year?

Since last year, that is, in 2020, the mortgage interest rate has been changed to floating interest rate, the so-called LPR, which will be adjusted every year according to market conditions.

The so-called LPR is MLF plus point.

Among them, MLF is set by the central bank, and "plus points" are reported by more than a dozen banks. After removing the maximum and minimum values, take the average value. With the participation of commercial banks, LPR is born with the pulse of the market.

Then, under the provisions of LPR, our mortgage interest rate formula is:

Mortgage interest rate =LPR policy plus personal bonus points

For example, if I buy a house as a loan and use LPR (mortgage loans are usually more than five years ~), then it will be calculated according to the latest published corresponding term LPR(5-year LPR interest rate is 4.65%, 1 year LPR interest rate is 3.85%).

(a) if it is the first suite, then the policy bonus will be relatively low, calculated by 0; If an individual adds some money, the bank will negotiate with the lender according to his personal situation. Let's assume that it is 0.5%, then:

The interest rate of the first suite =4.65%(LPR)0 (policy bonus) 0.5% (personal bonus) =5. 15%.

(1) If it is a second suite, then increase the policy, and we will calculate it at 0.6%; If an individual adds some money, the bank will negotiate with the lender according to his personal situation. Let's assume that it is still 0.5%, then:

Second-home interest rate =4.65%(LPR)0.6% (policy bonus) 0.5% (individual bonus) =5.75%.

Policy bonus and personal bonus have been determined when signing the loan contract, but as long as the LPR is lowered, the interest rate will still change, and as the LPR is raised, the interest rate will also increase.

Of course, every bank in every place will have a little difference, but they all calculate the mortgage interest rate based on LPR.

Third, what is the calculation method of mortgage?

In modern society, with the rapid development of society, the system has become more and more close to the people, which makes our life more convenient and fast. And the development of loans, it is in this environment, rapid progress. Not only the scope of loans is getting wider and wider, but also the ways of loans are becoming more and more simple. Now there is a very common loan, which we call mortgage. I believe everyone is familiar with this term, because this method is very common now. Bian Xiao is going to talk about the calculation method of mortgage today.

I. Calculation formula of mortgage loan:

1. Your monthly repayment amount is-[your principal× monthly interest rate× monthly interest rate× (1monthly interest rate )× repayment months ]=[( 1 monthly interest rate )× repayment months-1]

2. Where: your monthly interest rate = residual principal × monthly interest rate of loan = monthly payment-monthly interest rate.

3. Calculation principle: that is, the bank collects the interest of your remaining principal from your monthly contribution, and then collects your principal; Although the proportion of interest in your monthly payment gradually decreases with the decrease of the remaining principal, the proportion of principal in your monthly payment increases, but the total monthly payment remains unchanged.

Second, commercial mortgage cases:

1. If the loan principal is 300,000 yuan and the repayment period is 10 years (i.e. 120 months), then if the annual interest rate is 5.5 1%, the monthly interest rate is 4.592‰, which is substituted into the calculation formula of repayment of the equivalent principal:

2. We can get-monthly debt service = [300,000× 4.592 ‰× (monthly interest1)120]; [(monthly interest 1)× 120- 1.

It can be calculated that the monthly repayment amount is 3257.28 yuan.

Third, the calculation principle:

The calculation principle is: the original amount returned every month is always infinite, that is to say, the principal will never change, and the monthly interest will gradually decrease with the decrease of the remaining principal.

After Bian Xiao's detailed explanation of the mortgage calculation method, did everyone know how to calculate the mortgage by themselves? It's actually quite simple. However, under the current situation that mortgage loans are very common, the types of mortgage loans are also very diverse. It is undoubtedly a good result to master how to calculate your own mortgage and get the most favorable repayment method from it. Bian Xiao listed the calculation method in today's article, hoping it will be useful to crack down on the calculation of mortgage.

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4. What is the mortgage calculation method?

There are two payment methods for mortgage copying: equal principal and interest and average capital. The specific formula is as follows: equal principal and interest: [loan principal × monthly interest rate× (1interest rate) repayment months ]=[( 1 interest rate) repayment months-1] average capital: loan principal/repayment months) monthly interest rate. Two months is two months.