This product is universal insurance. At present, the settlement interest rate of products is 4%, but it does not guarantee stable income, only guarantees capital preservation.

Therefore, 4% is the expected income, and the most important thing is the insurance with guarantee function.

Second, the monthly payment is 40 thousand. How much money do you have?

The monthly payment is 40,000, and the total loan amount is 5 million. Calculated according to the loan interest rate of 5.6%, the total loan amount = loan interest rate × monthly repayment amount × time, that is, 5.6 %× 40,000×12 = 5 million.

How much is the monthly payment of 30 thousand to 40 thousand in 20 years?

40,000 yuan is mortgaged for 20 years, assuming that the repayment method is equal principal and interest, and the annual interest rate of the loan is 4.90%, then the monthly repayment is 26 1.78 yuan, and the total interest is 22,826.63 yuan, and the total repayment amount is 62,826.63 yuan, and the interest accounts for 36.33% of the total repayment amount.

40,000 yuan mortgage for 20 years. If the repayment method is average capital and the annual interest rate of the loan is 4.90%, then the repayment in the first month is 330.00 yuan, decreasing by 0.68 yuan every month, and the total interest is19,681.67 yuan, and the total repayment amount is 596,865,438 yuan +0.67 yuan, and the interest accounts for 32.98% of the total repayment amount.

4. If a house of about 90 square meters costs 500,000 yuan, how much minimum down payment do I need to pay? I have a housing provident fund. According to the loan for 20 years, how much do I need to pay back every month?

I'll give you the exact answer: 1. 20% down payment. Calculated at the interest rate of 40,000 yuan, the loan is 400,000 yuan, with a total repayment of 596,002.2 37 yuan and a monthly repayment of 2,483 yuan.