The loan of China Merchants Bank is based on the loan amount, and the implementation of interest rate, loan term, repayment method and other factors is for trial calculation reference. Please open the following link, :http://www.cmbchina.cInfo/Cal_Loan_Per.aspx? Trial benchmark interest rate chnl=dkjs.

2. What is the interest of 500,000 yuan deposited in the bank in 2022?

In 2022, the annual interest rate of bank deposit certificates will reach 4%. The term of office is three years. So if you deposit 500,000 yuan, everyone can get interest of 500,000× 4% = 20,000 yuan. You can get interest of 60 thousand yuan in three years. If the time deposit is five years, the annual interest rate will reach 4.5%. There are also some private banks or local banks, and the interest rate of large deposits has reached 5%.

Interest rate of 500,000 large deposit certificates of banks in 2022

Summary of interest rates of large deposit certificates of the four major banks in 2022

Industrial and Commercial Bank of China

1 200,000 personal certificates of deposit

Three-month annual interest rate 1.595%, six-month annual interest rate 1.885%, one-year annual interest rate 2. 175%, two-year annual interest rate 3. 15% and three-year annual interest rate 4. 125%.

2.3 million certificates of deposit.

The annual interest rate is 3 months 1.65%, 6 months 1.95%, 2.25% for one year and 3.045% for two years.

3.5 million personal certificates of deposit.

The annual interest rate is 3. 15% for two years and 4.0 15% for three years.

agricultural bank

1 200,000 personal certificates of deposit

The annual interest rate is three months 1.595%, six months 1.885%, one year 2. 175% and two years 3.045%.

2.5 million personal certificates of deposit.

The annual interest rate is 1.65% for three months, 1.95% for six months, 2.25% for one year, 3. 15% for two years and 4.07% for three years.

3.8 million certificates of deposit.

The annual interest rate is 4. 1.25%.

465,438+0 million personal certificates of deposit

Annual interest rate 1.95% for six months, 2.227% for one year and 3.85% for three years.

Bank of China

200,000 yuan personal certificate of deposit: 3-month interest rate 1.585%, 6-month interest rate 1.885%, 1 2.35%, 2.045%, 3.85%.

300,000 personal certificates of deposit: the interest rate is three months 1.65%, six months 1.95%, 1 year 2.25%, two years 3. 15% and three years 3.85%.

500,000 personal certificates of deposit: 3 years 4. 1.25%.

China construction bank

Initial deposit: 1 monthly interest rate 1.53%, March interest rate 1.54%, June interest rate 1.82%, 1 interest rate 2. 10%, 2 annual interest rate 2.94.

Initial deposit: 1 monthly interest rate 1.59%, March interest rate 1.60%, June interest rate 1.89%, 1 interest rate 2. 18%, 2 annual interest rate 3.05.

Deposit from 800,000 yuan: 1, annual interest rate 2.25%, annual interest rate 3. 15%, annual interest rate 4. 13%.

Interest rate of 500,000 large deposit certificates of banks in 2022

Interest rate of 500,000 large deposit certificates of China Postal Savings Bank in 2022

The one-year interest rate of large deposits is about 3. 15%, and the five-year interest rate is about 4.85%. If 500,000 yuan is saved for five years, the interest earned is about 500,000 times 4.85% times 5, which is equal to120,000.

In addition to banking, China Postal Savings Bank also leads the country in express delivery. No matter where you live, express delivery can be delivered to you.

3. What is the total principal ratio of the loan with a maturity of 500,000 yuan in 30 years?

Interest = principal interest rate time

50-20=30 (ten thousand yuan)

3000005.94%20=356400 (yuan)

A: After the maturity, Mr. Li pays interest of 356,400 yuan.

How much is the 30-year interest on the 45,000-yuan mortgage?

After 1.20 1 1 year, the benchmark annual interest rate of commercial loans of banks with a term of more than five years is 6.6%, and the loan is 500,000 yuan with a term of 20 years, with equal repayment of principal and interest, and the monthly repayment is 3,757.36 yuan. The total amount of debt service and interest in 20 years is 9,065,438 yuan+0,766.49 yuan, and the total amount of interest is * *. Repay according to the equal principal, with a monthly repayment of 4,833.33 yuan (principal of 2,083.33 yuan and monthly interest of 2,750 yuan). After that, the monthly principal is 2083.33 yuan, and the interest is gradually decreasing. The monthly repayment is decreasing. The total amount of debt service and interest in 20 years is 8,365,438+0,375.00 yuan, and the total amount of interest is 3,365,438+0,375 yuan.

2. According to the current benchmark interest rate of commercial loans for more than five years of 6.55%,

1, the loan lasts for 30 years. Based on the loan interest rate of 4.65%, we assume that the interest rate will remain unchanged in the future, and the repayer has been repaying the loan on time without overdue. According to the calculation formula of equal principal and interest: monthly repayment amount = [loan principal × monthly interest rate ×( 1 interest rate )× repayment months ]=[( 1 interest rate )× repayment months].

Substituting the figures into the formula, we can know that the 500,000 mortgage will be paid off in 30 years, and the interest is 428 146.26 yuan.

In addition to this method, some people will choose the method of average capital to repay the loan. The calculation formula is: monthly repayment amount = (loan principal ÷ repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate. Through calculation, we know that the total principal and interest that should be paid is 8497 18.75 yuan, and the 30-year interest is equal to 849718-500000 = 349718 yuan.

3. In fact, regardless of other factors, the final repayment amount of the average capital method and the equal principal and interest method is different. By comparison, we know that if the average capital method is adopted, the total interest expenditure will be nearly 80 thousand less than that of the equal principal and interest method. However, the average capital method also has some disadvantages, that is, the pressure of early repayment is relatively large, and with the passage of time, the repayment amount will decrease every month in the future.

Mortgage interest In fact, mortgage interest depends on the loan interest rate, repayment method and time, because the interest calculated by different repayment methods is different. At present, the annual interest rate of loans for 5-30 years (including 30 years) announced by the People's Bank of China is 4.9%, and the following is calculated according to this interest rate.

With the interest rate unchanged, the repayment period of the mortgage is 500,000 years, the total interest is 455,308.1yuan, and the monthly repayment amount is 26,533.63 yuan. If the principal is repaid in equal amount, the total interest is 368,520.83 yuan, and the repayment amount in the first month is 3,430.56 yuan, which decreases month by month.