1, personal loans, in accordance with the provisions of the people's Bank of personal housing loan interest rates; Personal commercial housing loans shall be implemented at the term interest rate stipulated by the People's Bank of China.
2. Because the calculation of the interest of bank loans for house purchase is professional and involves some financial calculation formulas, many websites provide interest calculators for house purchase loans in order to facilitate the majority of buyers to calculate the interest of house purchase loans. Property buyers only need to fill in the specific data in the corresponding places, and then click "Calculate", so they can easily calculate the interest on the bank loan to buy a house.
3. Calculate by formula
Taking provident fund loans as an example, the monthly interest rate of loans for more than five years is 3.375‰. If the loan is 65,438+0,000 yuan and is paid off in 240 installments over 20 years, the monthly repayment amount of the lender is 60.86. The total repayment amount is 14606.40 yuan.
Bank loans are always from Ligali, which is not rude at all. First, calculate the total principal and interest of the bank loan after it expires.
After the bank lent 1 month, the loan of 1 ten thousand yuan became 10000 * (1+0.00375).
Two months after the bank lent money, the loan of 1 ten thousand yuan became10000 * (1+0.003375) * (1+0.003375).
After 20 or 240 months, the original loan value (principal and interest) is equal to:10000 * (1+0.003375) (20 *12) =10000 * 2.2448 = 22448. It can be seen that after 20 years, according to the monthly interest rate of 3.375‰, the loan of 10000 yuan rolled up to 22,448.45.
Monthly payment calculation of buying a house
1. There are two monthly payments: average capital repayment method and equal principal and interest repayment method. First of all, let me explain what the loan contains. Total loan repayment = loan principal+loan interest. I believe everyone has no problem with this, that is, there is interest!
2. Explain these two situations first: the average capital, in layman's terms, is to repay average capital every month plus the current month's interest. In other words, divide the total loan principal into certain equal parts. The number of shares is the number of months of your loan life. For example, if you borrow 20W and pay it back in 20 years, then the monthly average capital is: 200,000 /20 years * 10.
3. In the average capital, the monthly interest is different, because the monthly interest = the remaining principal of the month * the monthly interest rate. As you pay off a certain amount of principal every month, the remaining principal will be less and less, so the interest will be less and less. Average monthly fund supply = monthly average fund+monthly interest = monthly average fund+(remaining principal of the month * monthly interest rate); * where "monthly interest rate = annual interest rate/12";
Therefore, the average monthly capital payment is different. It will be higher in the first few months and less in the future. Until the last month, the principal is 0 and the interest is 0.