Generally, it starts from the month when the loan is issued. It is suggested to call the bank agent directly and ask clearly. Please pay attention to the requirements and make records.
Second, the calculation process of loan repayment schedule
table
List of loan principal and interest
Unit: 10,000 yuan
Serial number11.1.1.1.21.21.31.42.
Annual project 1 principal and interest accumulated at the beginning of the year. Accrued interest during the current construction period. Repaying principal and interest this year. Sources of funds.
Construction period:1050.0001000.00050.000205.000200205
produce
Equal annual repayment of principal and interest =
32550.26380=858.67 (ten thousand yuan)
Unit: 10,000 yuan
Production and operation period: 52 135+338+0338+0338-
Call 2 13. 36866 . 86868686666
149.02709.65 149.02
78.06780.5678.06
(ten thousand yuan)
Three. Calculation process of loan repayment plan
Calculation process of loan repayment plan; First month: this month's interest = the monthly interest rate of the total loan; Repaid principal = minimum repayment amount-interest this month; Remaining unpaid principal = total loan-paid principal this month. Second month: this month's interest = the monthly interest rate of the remaining unpaid funds in the first month; Repaid principal = minimum repayment amount-interest this month; Remaining unpaid principal = remaining unpaid principal in the first month-the paid principal in this month is the same as that in the third month, until the last120th month, the unpaid interest and remaining principal need to be paid off in one lump sum, that is, the minimum repayment amount. 1. The loan repayment period refers to the time required to repay the principal of the construction investment loan (including unpaid interest during the construction period) with the profits, depreciation, amortization and other income that can be used for repayment after the project is put into production, generally expressed in years. This indicator can be calculated from the loan repayment plan. The part less than one year can be calculated by linear interpolation method. The index value should meet the deadline requirements of the lending institution. Number of loan repayment periods = (number of remaining periods-number of loan start periods) (amount to be repaid in the current period/amount of income available for repayment in the current period) 2. There are two general interest-bearing methods, one is equal principal and interest (that is, the principal plus interest repaid every year is the same). This equivalent formula is more complicated for me, but it is available online and the mathematics is not bad. Just watch it a few times); There is also an average capital (this is relatively simple, the annual repayment of the principal is unchanged, and the interest is decreasing year by year). Third, the customer information table, as its name implies, is a data table stored in the background database after the financial institution collects the borrower's basic information when the borrower applies for credit products. Different financial institutions have different requirements for obtaining basic customer information, but generally speaking, the data structure of customer information table will include several dimensions.
Four. Repayment and calculation method of loan interest and principal
There are two ways to repay loan interest: one is equal principal and interest, and the other is average capital.
The feature of equal principal and interest method is that the monthly repayment amount is the same. In the distribution ratio of "principal and interest" in the monthly payment, the proportion of interest paid in the first half is large, and the proportion of principal is small. After more than half of the repayment period, it gradually turns into a large proportion of principal and a small proportion of interest. The total interest paid is more than the average capital method, and the longer the loan term, the greater the interest difference. However, due to the same monthly repayment amount, it is suitable for the family's expenditure plan, especially for young people, and the equal principal and interest method can be adopted, because the income will increase with age or promotion.
The average capital method is characterized by different monthly repayment amounts. It divides the loan amount evenly according to the total repayment months (average capital), and adds the monthly interest of the remaining principal in the previous period to form the monthly repayment amount, so the repayment amount of the average capital method is the largest in the first month, and then decreases month by month, and the less the more. The total amount of interest paid is less than the equal principal and interest method. However, this repayment method has a high repayment amount in the early stage of the loan period and is suitable for lenders with strong repayment ability in the early stage. The average capital method can be used for the elderly because their income may decrease with age or retirement.
Calculation formula of average capital loan:
Monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate.
For example, the loan is 6.5438+0.2 million yuan, with an annual interest rate of 4.86% and a repayment period of 654.38+00 years.
Matching principal and interest:1repayment after 0 years 15 1750.84 yuan, with total interest of 3 1750.84 yuan.
Average capital:1repayment after 0 years 149403.00 yuan, with total interest of 29403.00 yuan.
The difference between the two: 2347.84 yuan/10 year, only 235 yuan a year.
For example, the loan is 6.5438+0.2 million yuan, with an annual interest rate of 4.86% and a repayment period of 20 years.
Matching principal and interest: repayment after 20 years 187846.98 yuan, with total interest of 67846.98 yuan.
Average capital: repayment after 20 years178,563.00 yuan, with total interest of 58,563.00 yuan.
The difference between the two: 9283.98 yuan /20 years, only 465 yuan a year.